I think there are three types of services/markets we depend on: a) Well functioning markets (cars, phones, email, web hosting, computers, delivery services) b

I think there are three types of services/markets we depend on: a) Well functioning markets (cars, phones, email, web hosting, computers, delivery services) b) Well regulated markets or public services (electricity or telecom in Europe, well entrenched public data such as SEC filings, open banking in the UK) c) Broken markets ruled by all-powerful oligopolists (app stores, online marketplaces like Amazon/eBay, game consoles, search advertising, social networks) In terms of dependency risk it's clearly c > b > a.