Ok, is it just cynical of me to say "Ok, here is their 'one time expense' for this quarter to show why they aren't profitable yet? That said, the company has s

Ok, is it just cynical of me to say "Ok, here is their 'one time expense' for this quarter to show why they aren't profitable yet? That said, the company has so much regulatory risk associated with it. It has the feel that the "system" is working very hard to punish the "disrupter" in a fatal way to discourage other such disrupters.