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We expect that consumers will have a clear preference for about three subscription services that they are willing to pay for, with the rest being long-tail.

Ideally, the lending product would create: (1) A tech-enabled window into the creator’s business and (2) a repayment flow from the platform to the lender that mirrors the cash flows of the business. By building predictability into the unprecedented and de-risking the payback, a tech-enabled subscription platform may allow lenders to provide... See more

Danny Meyer the restaurateur has called ABCD: “always be collecting dots, so that you can always be connecting dots.” Dots or breadcrumbs, if your whole life is oriented around that collection, which mine is, then you're always preparing.

Crow and Dabars don’t hold back in tearing down what they call the “Harvardization” of universities, where schools are responding to the higher education crisis by decreasing their acceptance rates and increasing their price tags, instead of trying to develop a better product that’s designed for the scale and type of demand we’re seeing today.

It’s also easy to conflate habituation and loyalty. Products that are habits rank higher on Maslow’s hierarchy of needs than products to which a person is loyal. A product that becomes a habit facilitates some sort of optimization — physical, psychological, or otherwise.