1-2: agree but was never a product. vc invested in research labs (lol?)

3. yes but no data valuable enough, yet. me too doordash or uber won't be a thing so where is that alpha? curious to see

4. bs but happy for researchers selling hopium to siphon vc money to write papers. see 1 and 2. literally no one is asking for zkML. we can't even figure centralized LLM right now ffs

5. whatever. if you are investing in something that makes half sense given where tech cycle is, you shouldn't be in this game

payday loans is a liquidity risk and financial product creation problem. 

most payday loan companies use creative bonds to offload risk to rich who use it as tax write offs. then they all gain from high/exploitative rates or return.

it is not an just an underwriting problem which i believe can be solved by ztls/factoring.

let's see but i love the nativity in crypto most days. just like how eth was money till big bois showed stablecoins is still the real money. eth/sol is just that, a token for gas in this infra.

lol! 

but for 3 there are some interesting use cases coming up such as EarnFi for payday loans