I agree, which is why I'm saying that I don't think that Revolut can be a VC-scale commercial bank. But I do believe it will be profitable if they can convince

I agree, which is why I'm saying that I don't think that Revolut can be a VC-scale commercial bank. But I do believe it will be profitable if they can convince their users to use it as an actual bank, and not just a novelty app and debit card.