This is really great content by A16Z.

It shows how complex building a Fintech in US actually is , often due to how many different partners you will actually need to depend on.

In this specific case , you would need to have each partners offer an API that you could call to automate the mortgage workflow.

Obviously , due to the nature of the financial sector it's very likely those partners don't have those APIs and don't want to build them because they are sitting on a very profitable business and have no plan to change that anytime soon.

I can draw a comparison to Airbnb , where most of their jobs wasn't so much to build "disruptive tech" but to lobby local administration to let people rent their appartement to individuals , while hotel industry was lobbying the other way around.

It becomes even more complex when you realize you'll have to do this at global scale to build a unicorn.

I’ll respectfully agree to disagree, especially as what you stated isn’t the full story either.

If you know Tristan, then you should show respect. If you don’t, then you shouldn’t assume to know. Speaking as someone who knew him very well (he and I considered each other brothers), his struggles with addiction were his own and not something that should be stated by others imho.