Understand that and you understand a lot about how the world works. 'Everything is Different'. Imagine in Spain 25 years ago people didn't use debit/credit fo

Understand that and you understand a lot about how the world works. 'Everything is Different'. Imagine in Spain 25 years ago people didn't use debit/credit for much at all, that buying a car with consumer credit was a big deal, and home ownership is new. Getting credit scores is hard. Opening bank accounts might be difficult. In Indonesia perhaps most people are 'unbanked' in the way we understand it. Maybe there were/are few proper internet connections to do transactions. The major local banks are controlled by a cabal that you need to bribe. Or it's an oligarchy that will not let you in. Or there's a custom 'national system' i.e. 'Carte Bleue' in France that everyone uses and it's pointless to do anything around that. Privacy regulations, localized data, risk, banking regulations, ambiguity, lawyers, fiduciary requirements, reporting requirements. Or literally 'employees don't show up' or 'electricity is not constant' or 'the Local Magistrate takes 10% cut' or 'The local warlord wants a cut' or 'nobody is qualified to do anything' or 'the employees got upset and shot/beat a manager' or 'sanctions shut down a key component'. And that's the short list.