Corrupted politicians and greedy people don't want you know about this one neat truck to fix climate crisis.... Oh, too late.

Does that run the risk of leading to a future collapse of certain businesses, especially if their expenses remain consistently astronomical like OpenAI? Please note I don’t actually know—not trying to be cheeky with this question. Genuinely curious.

I made a PayPal account like 20 years ago in a third world country. The only thing you needed then is an email and password. I have no real name on there and no PII, technically my bank card is attached but on PP itself there's no KYC. I think you could probably use some types of prepaid cards with it if you want to avoid using a bank altogether but for me this wasn't an issue, I just didn't want my ID on any records, I don't have any serious OpSec concerns otherwise. I'm sure you could either buy PayPal accounts like this if you needed to, or make one in a country that doesn't have KYC laws somehow. From there I'd add money to my balance and send money as F&F. At no point did I need an ID so in that sense there's no KYC. Some sellers on localmarket were fancy enough to list that they wanted an ID for KYC, but I'm sure you could just send them any random ID you made in paint from the republic of dave and you'd be fine.

The free option is not sustainable and does not reward the correct customer/business relationship.

This is where the magic of near meaningless corpo-babble comes in. The layoffs are part of a plan to aspirationally acheive the goal of $10b revenue by EoY 2025. What they are actually doing is a significant restructuring of the company, refocusing by outside hiring some amount of new people to lead or be a part of departments or positions that haven't existed before, or are being refocused to other priorities... ... But this process also involves laying off 500 of the 'least productive' or 'least mission critical' employees. So, technically, they can, and are, arguing that their new organizational paradigm will be so succesful that it actually will result in increased revenue, not just lower expenses. Generally corpos call this something like 'right-sizing' or 'refocusing' or something like that. ... But of course... anyone with any actual experience with working at a place that does this... will tell you roughly this is what happens: Turns out all those 'grunts' you let go of, well they actually do a lot more work in a bunch of weird, esoteric, bandaid solutions to keep everything going, than upper management was aware of... because middle management doesn't acknowledge or often even understand that that work was being done, because they are generally self-aggrandizing narcissist petty tyrants who spend more time in meetings fluffing themselves up than actually doing any useful management. Then, also, you are now bringing on new, outside people who look great on paper, to lead new or modified apartments... but they of course also do not have any institutional knowledge, as they are new. So now, you have a whole bunch of undocumented work that was being done, processes which were being followed... which is no longer being done, which is not documented.... and the new guys, even if they have the best intentions, now have to spend a quarter or two or three figuring out just exactly how much pre-existing middle management has been bullshitting about, figuring out just how much things do not actually function as they ssid it did... So now your efficiency improving restructuring is actually a chaotic mess. ... Now, this 'right sizing' is not always apocalyptically extremely bad, but it is also essentially never totally free from hiccups... and it increases stress, workload, and tensions between basically everyone at the company, to some extent. Here's Forbes explanation of this phenomenon, if you prefer an explanation of right sizing in corpospeak: https://www.forbes.com/advisor/business/rightsizing/