Earlier quoted context omitted.
> Choosing a financial services firm to manage one’s personal finances is a critical, long term decision. This is not true for every industry. For example, a lot of mobile games are "freemium". It might be worth offering free services to some people, in order to get them hooked. Maybe that way more end up signing up.
Ya know... I'm reminded that the only other industry that uses terms like 'users' and 'hooked' is drugs. When did software and computing become drug dealing?
In fact, without thinking about it much, I think the nearest similar industry may possibly be day-time TV.