&#x27;They just made it hard for no reason&#x27;. LOL. Osper has raised over 11MM.  It takes a lot more than a kickstarter campaign to fire up a card program like Osper or GoHenry.  Give Marqeta a call and check out their fee structure.<p>If there is constructive feedback here, it is that there were smaller, cheaper hops PiggyBank could have taken to get a smaller product out there earlier to validate assumptions. And if they had taken a few of these hops, they would have learned along the way, and maybe one day would have had a chance to pitch for a 10MM raise.  But they didn&#x27;t.<p>It feels like a typical &#x27;first startup&#x27; experience - as founders, not employee.  At least there is some really great collective feedback in this thread about how they could approach things differently if they were to try again.  Unfortunately, little of it is on tap when there are just two people in a room trying to navigate a path.<p>Thanks for sharing Oscar.