Lumping all fintech innovations into either "good" or "bad" buckets is ignorant of nuance: 0. Can the business model be made sustainable long-term? 1. Does it

Lumping all fintech innovations into either "good" or "bad" buckets is ignorant of nuance: 0. Can the business model be made sustainable long-term? 1. Does it create value for almost all participants? 2. Is it secured by governance, policies, tech, and auditing (internal and external) from malicious actor(s)? If the answer to any or all is "no", then it's probably a variant pyramid scheme.