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Regarding their pricing to low-touch customers, like anyone just signing up on the website, yes, it's a very good margin for a payment processor. But the trick is that nobody proce…

Look at the valuation increases: Almost 2x year to year for quite a while. I don't expect most people seeing that kind of valuation increases looking to liquidate any part of their…

There's also people whose natural tendencies are thoroughly self destructive. For instance, I know a person who doesn't feel like themselves at home. Their favorite moment in the w…