Even then, you probably haven&#x27;t solved the problem. A big reason that these products are structured as &quot;startups&quot; rather than within bigger companies is to limit the liability if they fail catastrophically or get caught breaking laws.<p>Investors keep pouring gasoline on the fire; the message is &quot;GROW GROW GROW&quot; ... but if the fire burns out of control, it&#x27;s somebody else&#x27;s problem.