Zero Interest Rate Policy: Handled incorrectly, too much money can be poison.

It turns out that if money was the only variable to making your company work, then startups wouldn't work, because all the incumbents have way more money. It's true, Apple has a lot of money—like all the money, all the money effectively, right?

Two, um, it turns out that when you give money to someone, they stop innovating and they start spending more money. Why do we have to have better software? We can just hire more people to fill in the blanks. Why do we have to do things better? It turns out when you give people more money, they start acting like the big companies they're trying to disrupt.

But also, it turns out the opposite is true. When they can't afford, they figure out how to do without, and that often creates the innovation. So it's just kind of like we're going to give you money—it's poison. Like, would you like—how much poison would you like? You can drink as much as you want. Che, we have infinite poison in the back! Like, can I give you more poison? It's shaped like money. It's gonna kill you.