"How hard can it be?" is a double-edged red flag - both the spark at the base of many wonderful inventions, and the most common last words. Who would own that

"How hard can it be?" is a double-edged red flag - both the spark at the base of many wonderful inventions, and the most common last words. Who would own that super-backend-service? Who would own the data submitted? Oh and btw, single point of failure (see the recent debacle inflicted upon jotform)?