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We need to find ways to invest in the non-college bound, and create on-ramps into the corporate economy without the ritual of a $200,000 college education.

This is bad for everyone: avoiding care means hospitals don’t get paid, patients are potentially getting sicker, and insurers will end up paying for more serious diseases that weren’t caught earlier.

“Show me the incentive and I’ll show you the outcome”.

Universal access to payroll data holds promise for lenders, neobanks, employers, and B2B fintech companies in distinct and interesting ways.

Third, BaaG gives humans more agency than a future in which AI and robots are able to do everything that humans do now, however far in the future that day may be.

The lack of granularity and legibility means that all those little fractions of a cent, over billions of people, accrue to the center. And the center invests, turning those cents into dollars. That’s great, that’s the trade we’ve had no choice but to accept, and it’s exactly what companies are supposed to do. 

But, when you have the ability online to download or stream individual tracks, then all of a sudden that bundle just doesn’t make sense. So it collapsed apart into individual MP3s. And I think now it makes sense that it’s kind of re-bundling into streaming services like Pandora and Spotify.

Ownership is a design space for new experiences that address core human needs:The need for financial securityThe need to be heard and participateThe need for social belonging and communityThe need to have control over how we work