Where things lose credibility is the nonstop stream of extreme predictions and personal accusations that have never come true.
For four years it’s been “this is the end,” “bankruptcy is imminent,” “legal disaster is coming.” Yet the company is still operating and navigating one of the toughest regulatory environments imaginable for fintech.
That doesn’t mean everything was handled perfectly. It does mean the narrative of inevitable collapse has been wrong, repeatedly.
If people want a productive conversation, the focus should be on what actually happened, what lessons were learned, and what would need to change going forward. Repeating the same failed predictions isn’t analysis. It’s just noise.
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