Same. I still report to reddit when I need to check something technical. For example, was looking at doing some work on my HVAC and wondering if some new pipe fittings were any good. Googled the product name plus Reddit to get the professional discussions from the HVAC experts.

You expect a bank to make high risk loans to unproven ideas? What about loans did things which are controversial (think dispensary or brewery)?

Note: give yourself considerable time between each of these steps. Rub on arm, wait fifteen minutes. Rub on cheek, 30 minutes. Rub on lips, wait an hour. Put a bit on your tongue, and spit - wait two hours. Eat the teensiest bit, and wait 8 hours. If you still haven’t had a bad reaction, then maybe eat a berry or two, and wait another 8 hours.

If you rush the process, you might die.

My question is always: so if me and 10 other people have a great idea for a business, where does the money to start it come from? Most businesses take years to turn a profit, so in this collective, are we all just pouring in our savings until it takes off?

What if we all bust ass for 3 years, never getting paid because we’re building the product, we launch and start getting orders, and find that we’re getting a lot more orders than we expected, so we hire / bunch of people to help fulfill orders. Do those new hires all get an equal share, even though they weren’t there for the 3 years of unpaid R&D? Do they have to contribute money when they get hired for the share of the building that the rest of us already own?

I’m all for workers rights, and workers standing together collectively to get fair wages and working conditions, but when people say “workers should own the means of production”, they can never seem to explain how that would actually work.