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I feel there is no excuse. Startups cut all sorts of corners but why? Get rich at other people's expense?

The tech founder should know their shit prior to building it so that time and runway and deadlines are no excuse. Really if you are doing fintech you should have employment experience and understand all the operations well.

Otherwise they are no better than say home builders who mismanage and go bankrupt. Or less geneously, they are conmen.