Good points. I would also like to say this;<p>I don&#x27;t know how anyone can have this conversation without mentioning global economics, demographics, and debt. In short, everything matters. The dynamics are complex and the dominant policies have been nothing short of &quot;extraordinary&quot; e.g. negative interest rate policy (NIRP) implemented in various countries around the world.<p>If the bulk of the US population are one paycheck away from financial disaster[1], the advertising-based service providers have a lot more to worry about than <i>aggregation theory</i>.<p>[1]<a href="https:&#x2F;&#x2F;www.google.com&#x2F;search?q=most+of+us+are+one+paycheck+away+from+financial+disaster" rel="nofollow">https:&#x2F;&#x2F;www.google.com&#x2F;search?q=most+of+us+are+one+paycheck+...</a>