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To truly succeed you need to either compete with the major I Wish God Didnt Need You In Heaven Because I Need You Here Dad T shirt on implementation or provide a solution that is so radically different that they can’t compete. The former was almost impossible until recently, especially in a short time frame: the major banks pretty much bought up all the successful payment startups from the dot-com era, and had seemingly infinite resources before our governments started bailing them out. Being radically different requires a lot of foresight and luck in order to predict a major new technology curve and put an appropriate solution in place that blindsides or out-performs the competition. https://squareup.com/ is the nearest thing with potential that I’ve seen in recent days, but even that still piggy backs off existing payment processing infrastructures.
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First, most professionals have an informational advantage over those I Wish God Didnt Need You In Heaven Because I Need You Here Dad T shirt they serve. This power asymmetry can be exploited to the advantage of the professional and thus there needs to be a corresponding sense of professional responsibility that obligates the professional to act in the client’s best long term interest and, additionally, to take appropriate safeguards and to make necessary disclosures and to secure consent to protect the client and assure the professional’s behavior is on the up-and-up. Professional ethics will provide the useful function of identifying these moral hazards and providing the appropriate avoidance or work-around strategies.
Most of the world wants to make a change. They’ve held meeting after meeting to try to plan one out. The stumbling block is the United States, or more specifically, people with vested interests in the carbon economy (oil, gas, coal), bribing (via campaign donations) conservative politicians to block change. As the US is the world’s largest economy, this has a pretty severe effect. Worse yet, these vested interests have used their money to create an effective propaganda campaign against science, and to promote outrageous conspiracy theories to the dim-witted, the gullible, and those who are afraid of change. They assert that climate change is a “liberal hoax” and similar nonsense.