Thanks Cobey, a lot of reading but I think the back story assists with a more fundamental understanding of why I am so passionate about building this platform for the collective benefit of everyone who participates. Incentives of financial institutions, whose money enables them to gamble and create more wealth at next to no risk to themselves, and consumer interest are intrinsically misaligned. The internet enables collaboration of an unprecedented scale. We don’t need institutions imposing arbitrary policy effectively acting to place economic constraints on us. It’s time to break free.