Hi Fintech futurists -- I have been reading Paul Graham's Hackers and Painters, and noodling on the social role of exponential software monopolies. When a single person can be 1,000 times more productive than someone else, what is their responsibility to others? The long take this week pushes this question through the example Deutsche Bank planning to fire 18,000 people and invest €13 billion in Fintech, misunderstanding the massive value creation available from upskilling and frontier technologies. Amazon and Ant Financial get it.