I have been dreaming of it for a while, but the capital requirements are so insane that it could really only be backed by a bank. A bank who probably likes the

I have been dreaming of it for a while, but the capital requirements are so insane that it could really only be backed by a bank. A bank who probably likes the status quo right now. Paradoxically the more popular your service, the harder it becomes to get it off the ground, as you need to put up potentially tens to hundreds of billions a month to cover the credit issued. Couple this with the fact that interest rates are so high right now, that you would also likely get impaled on the interest of any loans you took. Maybe ask for favorable terms from merchants, but then you are reliant on the wolves to bring a better life to the sheep. So frustrating.