1) check out bitwarden + aegis - both seem popular as another tools
2) Reinstall your linux desktop instead of upgrading once in a while ( remove worms). Make sure you have all updates regularly.
3) When you are developing be careful with libraries - for example pin your versioning in python in the event you get a bad repo
4) use adware blocker to block malware in firefox
5) with keepassxc use the extra file - for security - call it random.mp3 and do not keep it in the cloud even encrypted
6) keep your otp passwords separate
7) use u2f for your main email account - yuibkey or other cheap alternative.
8) explore ssh using yuikey
9) use personal firewall on laptop
10) Use drive encryption for your laptop - backups need to be all encrypted as well
11) Bonus - have separate email account only for password resets that is very hardened and you don't log in regularly. Maybe with 2 different 2 factor auth on it.
12) Bonus 2 - have separate phone number for 2 factor sms authentication that people can't know about - (voip or tosser phone)
1) require an initial investment and promise above-average returns
2) money cannot be withdrawn for a certain period of time in exchange for higher returns.
High investment returns with little or no risk.? Overly consistent returns?
Your argument is that if I buy an ETF for gold and they charge 2% to keep the gold safe and manage it. This etf is a ponzi scheme as they need have holders to keep the thing going.
As the transaction fees go to miners you could then argue VISA and mastercard are ponzi schemes?
I think it starts to make sense when you add in subways and the personal cost of car ownership (1 car vs 3 car families) then density makes complete sense.
I will try to implement what you said... Perhaps it comes down to
1) hiring better for communication and tech skills
2) getting more senior devs
3) Work on communication
I recently tried to clone myself by hiring a bright young guy to take over some stuff. It ended up as a 3 month disaster. A week to do 30 minutes of work. He worked well in the office but can't seem to handle virtual teams (corona).
Real Estate provides a much easier method to move millions.