I agree with your general thrust. I believe their founder, when asked why he wasn't moving the company to SV, replied "We could never have launched Dwolla in th

I agree with your general thrust. I believe their founder, when asked why he wasn't moving the company to SV, replied "We could never have launched Dwolla in the Valley" Dwolla is "old school" start up. Taking on big, entrenched, B2B problems. That just doesn't happen in the Valley anymore like it used to. Look at all the comments here "It's too hard, it'll never work, we're doomed" Not surprising but still sad nonetheless. Back to developing mobile apps.