I agree with that. But isn't the net money that goes from the VC to the fusion company included in the 3% that the article mentions which is adding value by ser

I agree with that. But isn't the net money that goes from the VC to the fusion company included in the 3% that the article mentions which is adding value by servicing individuals and companies when they need money? While the argument is that the other 97% of transactions in the finance world add no value. And that 97 >> 3. That said I don't agree that they add "no value", market efficiency is provided which seems to be a valuable thing in some sense. But i find it quite interesting to think about, especially when you look at them in purely monetary terms as being zero sum.