I think the core idea was just to make money exchange easier via electronic means. their implementation was a good bad idea. But I think it depends on how much

I think the core idea was just to make money exchange easier via electronic means. their implementation was a good bad idea. But I think it depends on how much resources you are going to commit to it. building a widget = no risk. starting a company based on moneybeaming was a bigger risk. With cheap implementations you can afford to play around with bad bad ideas until you at least get a good bad one. :)