Advice for SF people: Stop talking about changing the god damned world when what you're actually working on is a middleman payment processor. You sound like your head is planted so far up into your ass you can see daylight again. E: Just to point out what I actually believe so I’m not just doing a drive-by insult - let capitalism and self interest be just that, like how a pizza delivery guy or payday loan provider pr…
Having worked at a YC-backed alternative to payday lender (https://www.//lendup.com) and having spent a lot of the time in the call center listening to our customers, I'd suggest that a lender to folks without access to credit can have much more impact than you could possibly imagine. Being able to instantly inject $500 into the bank account of someone that needed it for a car repair or they'd lose their job when they couldn't get it elsewhere was only one of the many, many examples. Now multiply that by hundreds of thousands of customers, and the impact is not trivial by any measure.
Taking something that is incredibly painful and making it a delight at scale is a beautiful thing, almost no matter how trivial that thing is. I'm reminded of when Steve Jobs forced the Apple team to shave 30 seconds off of the startup time, because multiplied by the number of people who use Apple devices it's the equivalent of years in aggregate.
I love that there are thousands of companies trying to change the world by making the one thing they work on absolutely perfect. It's a great thing.