but Goldman wont take your call if you are sub $100MM in revenue (probably need way more than that). So you set up your partnership early in your company life t

but Goldman wont take your call if you are sub $100MM in revenue (probably need way more than that). So you set up your partnership early in your company life then if the relationship is working fine why would you pay hundreds of thousands or millions of dollars and rebuild your integrations just to have a larger bank partner that none of your users will ever know you are using