I see this as the future of public transport, where you'd have a combo of smaller and bigger vehicles (including self-driving minibuses and buses) running autonomously, with options to pay more in order to walk less, but only running where people actually need them . Similar to Uber and Lyft Pool before the pandemic, where you could pay less to be picked up on a main street intersection instead of your front door.

Comments URL: https://news.ycombinator.com/item?id=28239146

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Worrying about capital gains taxes is a head-fake - you're only paying tax on your gains, which would have otherwise been minimal interest, which btw is taxed higher than gains. The risk here is just that the amount of margin interest I pay is dependent on how quickly you're able to sell, although hopefully this shouldn't be a massive issue for VTI et al.

Your messaging on the website seems clear to me, I wouldn't worry about anyone living paycheck-to-paycheck mistaking your technical looking homepage for a regular checking account.

One of your mentioned use cases doesn't sound right though - if I'm saving up towards a short-term spending goal like a car or house downpayment, I probably want a predictable balance and not exposure to sudden price shocks.

1) Scheduling required filling in the same qualification form multiple times, and texting/calling with a rather disorganized office. The better reputed the service company, the bigger mess their schedule is. You're solving this.

2) I didn't have a quote until the people came out to visit. You're solving this.

3) Once the service pros gave quotes, I had to share them with my landlord, have them approve the work, have the service pro complete it, confirm that the issue was fixed, and have the landlord complete payment. Coordinating parties was a major PITA, I hope you solve this in the future.

4) When the service pro diagnosed the issue and gave me a quote, I didn't know whether the diagnosis was truthful, and the quote was reasonable. After the fix, the symptom went away for a bit, and then came back, and the service person tried other fixes. This back and forth was a major pain. I don't know how you'll fix this, maybe a warranty on your service, or an annual insurance plan/maintenance subscription instead? Similar to Forward's model for healthcare - don't make money when you have to fix problems, make money when I don't have problems.

5) Thumbtack had a fixed price service, but it was too large a premium over the more ad hoc services. I hope you keep prices reasonable when you start swallowing more unexpectedly large scoped problems.

Hard to find unbiased sources on this, but it seems like while Pakistan has technically had democratic elections for a while, they have been mired with issues until fairly recently. From wikipedia: "The democratic elections held in 2008 were the first to conclude a complete 5-year term in the nations' political history."