&gt; It&#x27;s easy in retrospect to say that they shouldn&#x27;t have messed around with a business model requiring a bank partnership to get started without already having that partnership before building anything, but they didn&#x27;t understand that going in<p>Doesn&#x27;t have to be in retrospect.  Why didn&#x27;t any of the dozens of experienced investors they met with tell them this?  &quot;You&#x27;re too early&quot; is too wishy washy for them to have got the message.