Hmm... a corollary might be that startups (insecure due to their very nature) have a huge edge with regards to standard institutions, precisely because they don

Hmm... a corollary might be that startups (insecure due to their very nature) have a huge edge with regards to standard institutions, precisely because they don't have to deal with security problems. So, as they grow bigger, they become more inefficient and customers more unhappy (see: Paypal). I hope there are ways to mitigate this.