Do these guys really say "We ran a neobank and figured out that billing is surprisingly complex."? Like, seriously? That's what you think was complex in your do

Do these guys really say "We ran a neobank and figured out that billing is surprisingly complex."? Like, seriously? That's what you think was complex in your domain. If I had an account at that bank, I'd seriously consider closing it ASAP, because that smells like no one had an appreciation of the complexities of finance.