

Everyone shits on Discover and Amex though, two companies that tried to break in. Discover gave up the fight and got bought by Capital one after 40 years of growing from the Sears in store credit card.
For alternatives to break the duopoly, people need to actually use them.




The book Enders Game. I was will bullied in grade school. As was Ender. The overall theme is that it’s effectively impossible to maintain a defensive posture indefinitely. Be that always ready for dealing with bullies at school or home, to dealing with an alien threat becoming nearly impossible in three dimensions.
Ender comes up with the philosophy that you have to win, but not just win that fight/battle, you have to win so decisively that there won’t just be another fight later. While this turns out to be effective, it also results in genocide.
This resulted in a restrained version of the philosophy in me. When diplomacy fails, fight for your life, but know when you’ve won, know when you’ve prevented the next fight(s). And most importantly, know when to stop.