Ya it’d be better if it didn’t require a phone number but it’s a solid start as it’s build up a user base over the past decade. Matrix is good but I know far less people that use it and it’ll be a long time of growing with nerdy/geeky communities before it starts getting more mainstream users

I would guess he’s thinking money. Design, production line, and legal are all going to be extremely expensive. Bezos is a name and face but if you replace his name with JP Morgan Chase, BNY Mellon , Blackrock, etc is there really that big of a difference. The large financial institutions have done far more for far longer to people all around the world