I'm kind of in your camp on the regulatory side and I don't really think they're too malicious. So honestly, I'm a teller truth or truther. Your generic default non fraud business model makes tons of money with like 10 staff. They can do nothing and make a billion dollars a year. That's just pure like pure fiat return for them like senior age. And by the way, here's the other thing. There's a lot of breakage. You know, like when Walmart issues gift cards and they don't get spent, there's breakage.

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