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If you concede that people with subject knowledge can make money, that sounds to me the opposite of stupid. Sounds to that it's working as intended.

Can someone explain to me what's the upside of having multiple databases? I mean, I understand the downside, no explanation needed there.

Operating costs are not an "investment".

It's interesting. That's the benefit.

Are you European?

I'm European. I've lived in the US a couple of years.

The thing is.... you're NOT charged to file your taxes. Filing your taxes is free. People have the option to pay a company that helps them file their taxes.

The peculiarity of the US isn't that you're charged but that the government's own system is shit (which is why many people choose to pay). This isn't uniquely American. I'm sure there's other countries where filing your taxes is a pain - though maybe not in Europe (?).

Hey that's a killer opening line for something.

Was it sarcasm? You'd be surprised. Some people love complexity for the sake of complexity.

Incredibly high quality stuff.

Excel still unrivaled. By comparison Google sheets feels like one of those "I could do that in a weekend" projects.