I do recall that the way at least the Apple Card deal was structured ended up extremely unfavorable to GS. It seems that part of the reason the Apple Card deal

I do recall that the way at least the Apple Card deal was structured ended up extremely unfavorable to GS. It seems that part of the reason the Apple Card deal went so poorly for GS is because the initial negotiation and terms of the agreement heavily favored Apple. So perhaps it was just lack of knowledge of the industry in a big way that tanked this deal.