Am I the only one who thinks Apple may have run out of ideas? Credit card business is messy with fraud, late payments, disputes, customer service issues etc. T

Am I the only one who thinks Apple may have run out of ideas? Credit card business is messy with fraud, late payments, disputes, customer service issues etc. This will have anything but a positive impact on the Apple brand. Also, Apple will be a junior partner to Goldman who will do the heavy lifting. Why would Apple want to be the junior partner to Goldman Sachs?