There's a difference between businesses that solve peoples' problems and businesses that exacerbate them.

Sadly, fiat rewards the latter more than the former, with all the attendant rent-seeking.

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no incentive to fix the problem but lots to ‘treat’ problem!

😍

Care to share a 3 examples of businesses that exacerbate problems ?

Yup. Been in the payments industry for over a decade. Functional obsolescence is it’s cornerstone.