I was surprised to hear it too tbh. Chime for instance doesn't have one (last I checked). I think what happens is, you don't build it if its not strategic in th

I was surprised to hear it too tbh. Chime for instance doesn't have one (last I checked). I think what happens is, you don't build it if its not strategic in the early days, and then if you hit escape velocity there's never a good time to build one.