I believe there will be a trillion-dollar cybersecurity company within the next five years, as the current largest company is around $100 billion. The market for cybersecurity is set to grow significantly due to the impact of AI on human productivity and global GDP.

I believe there will be powerful AI models that can be misused in significant ways, including new forms of bioterrorism and cybersecurity threats.

I'm concerned about the potential for a surveillance state with the rise of digital currencies and social credit systems.

You should diversify your investments to protect yourself from significant losses, as relying on a single investment can lead to financial ruin.

This debanking phenomenon has been particularly prevalent among crypto and fintech entrepreneurs over the last four years, as they face increasing pressure to protect established banks.

I believe in focusing on problems that have a 10x positive or negative impact, especially in fintech where growth and compliance are critical.

During the 2019 period, we learned that capital might be very hard to come by for an extended duration, which shaped our conservative mindset during optimistic times and our optimism during fearful times.

In 2017, I became a believer that there would be more than one successful cryptocurrency in the long run.

The shift in consumer perception from viewing fintech apps as risky to seeing them as safe has been significant, as evidenced by my mom's trust in a product powered by Plaid.