> We have people in CA affected by fires, people in Carolina who still need help rebuilding after flooding, people in Hawaii that need to rebuild after their own fires.
In Uganda as of 2023 you can get life imprisonment or even the death penalty for being gay. They've even restricted freedom of speech when it comes to discussing gay rights. Even Republicans have condemned it. Does that paint it in a different light?
Also, you think that rich people won't use the government to get more money? Seriously?
Likewise, the expected percentage of people using the education discount is part of Apple's calculation. Even if they lose money on the device (which I personally think is unlikely), they'll make it back from subscriptions and their cut of app store purchases.
(Re: your tangent) For a lot of Cash App users, the app is their bank. They're unlikely to switch to a traditional bank just because of FedNow. Cash App will survive. Had FedNow come out a decade ago things might be different.