An insurance company might say, "Tell us more about yourself so your premiums can go down." When they say that, they're addressing the winners, not the losers.

The disconnect I was experiencing was that people hated Wall Street, but they loved tech.

Google is so big you have no idea what a given person does.

When people are not given an option by some secret scoring system, it's very hard to complain, so they often don't even know that they've been victimized.

We can't just throw something out there and assume it works just because it has math in it.

You'll never be able to really measure anything, right? Including teachers.

It's a standard thing you hear from startup people - that their product is somehow improving the world. And if you follow the reasoning, you will get somewhere, and I'll tell you where you get: You'll get to the description of what happens to the winners under the system that they're building.