>what a waste of time and energy There are services that do this for you. And, maybe it's a risk you're willing to take. Startups are inherently very risky ven

>what a waste of time and energy There are services that do this for you. And, maybe it's a risk you're willing to take. Startups are inherently very risky ventures, so out of all the other risks being taken your bank failing is probably low on the risk register in comparison. I think it's ridiculous for established public companies like Roku to get caught flat-footed here, though At the end of the day it's a known risk, and if you're going to play in the game, you know the rules going into it