I guess I still don't get your point. What is it? Also, no, I haven't worked as an employee for a $10 billion company, nor do I have any desire to. And yes, y

I guess I still don't get your point. What is it? Also, no, I haven't worked as an employee for a $10 billion company, nor do I have any desire to. And yes, you can change entrenched industries overnight; that's the point of technology entrepreneurship, and it's why many of the people who frequent Hacker News bother coming at all. Lastly, I've noted that in other parts of this conversation you claim to be an expert on payments--so who are you, again?