I went back and forth on downvoting. I rarely ever do and don't think it's appropriate in this case since you certainly, uhm, sparked a lively discussion. What

I went back and forth on downvoting. I rarely ever do and don't think it's appropriate in this case since you certainly, uhm, sparked a lively discussion. What I would say is you take a, let's say, free-market aligned source, and present what I'm assuming (it's behind a paywall) amounts to an opinion piece and make a bold statement "It is the lack of a predictable regulatory landscape in Europe that keeps them from being a hotbed of technological innovation[...]" as if it's a statement of fact. I could equally say "It's the lack of a common language spoken by over 300 million people that holds Europe back" or "It's the lack of technical sophistication in the US, a country that still relies on the paper check and has no open banking APIs, that supports a diverse market of companies. For example Plaid could only launch in the US and become a unicorn there because such a questionable business model only makes sense there" if we're in the making statements of opinion sound like immutable facts line of work. What I will say is that, as an erstwhile European it brings me great joy to see the EU causing so many headaches for international tech companies in the name of consumer protection. Just my opinion.