I am not a lawyer (don't want to get sued by California!) but the law has been super super fucking annoying to deal with while figuring out basic questions like

I am not a lawyer (don't want to get sued by California!) but the law has been super super fucking annoying to deal with while figuring out basic questions like, can I lend my personal money to someone, what counts as a finance fee in lending, does a subscription fee count as a finance fee, etc when exploring this fintech idea. ~100M Americans live paycheck to paycheck and unexpected expenses leave them to turn to expensive, predatory lenders or abuse the overdraft system. This is a real problem but solving has been a real pain. Likewise, this DoNotPay guy is helping Americans solve a problem that's encountered by so many. Only reason people are getting screwed by Comcast, etc, is because the law is difficult to deal with. Honestly, mad props to you, DNP guy. You are an American hero.