The financial system is regressive, with high fees disproportionately affecting smaller businesses and consumers, while larger corporations negotiate lower rates.

The internet has effectively removed intermediaries in many sectors, but the payments and finance sectors remain dominated by traditional systems like Visa, which extract significant fees.

The current regulatory framework is overly complex and ineffective, with multiple agencies responsible for different aspects of banking, leading to confusion and inefficiency.

We should all be getting 4% interest on our savings, which is better than inflation and reflects economic growth. Instead, banks like Bank of America, Venmo, or PayPal are sitting on our money and giving us nothing while they profit from it.

The regulatory burden in fintech creates a barrier to entry, allowing established players to maintain high profits while new entrants struggle to compete.

My hope is that service fees in finance decrease significantly, as the goal should be to build systems that ultimately reduce user fees, rather than wasting time and resources.

Many consumer companies struggle because they rely heavily on performance marketing, which can erode profit margins and lead to unsustainable business practices.

Home seekers are often surprised by high transaction costs, which include agent fees and various other charges that they may not realize are negotiable.

Transactional business models facilitate transactions and take a cut, commonly seen in fintech companies.