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Decentralization

"Age of Miracles"

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Aristocratic Tutoring and Fintech

Aristocratic tutoring is the most decentralized form of education imaginable. In 2010, there was practically no Fintech industry to speak up. The Durbin Amendment capped interchange fees Banks could charge at 20 cents plus 0.5 cents for fraud protection costs. From 2013 to 2021, venture funding for Fine Tax Group 30x from $4, once sent billion to $122, $6 billion. There's even a growing category called embedded Fintech.

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