This was a crypto story from start to finish. In the way it was a classic fraud scheme. The reason that they were able to grow as big as they were and look as strong as they were is because their balance was full of nonsense crypto. If they just opened up a bank, like the SPF limited, whatever, it would never have grown that fast. People who are smart about it were like, this is stupid. I didn't understand it. That's why we didn't. Same thing with free money: I thought maybe I don't know what Free Money is but people want you to name stadiums after them. But do we think there's going to be a sea change

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