Ideas are cheap. The work to make a successful startup, that&#x27;s the hard part. I have more ideas than I could ever possibly spin into companies, even if I were that sort of person - most of them I&#x27;m happy to give away entirely if it means they actually get implemented instead of forgotten. If <i>I</i> had an idea that I thought could change the world of finance for the better, then I would accept that I know bugger-all about finance and push that idea towards the nearest person who did know something. Not everything is about personal gain.