Phone number plus credit card is pretty strong, being two scarce resources combined. They've only just begun to roll it out, are you assuming they will have 0

Phone number plus credit card is pretty strong, being two scarce resources combined. They've only just begun to roll it out, are you assuming they will have 0 future growth only a few months into launching? Not only that, but the benefits of verifying have slowly ratcheted up, and with the algorithm now showing clear benefit I'd expect sharp growth. Finally, why bring their revenue into this? That's a totally separate conversation. I'd be happy to have it, but not really related to whether this alternative verification scheme makes sense.