Agreed, I went a bit away from the article perspective which is why I talk mostly about consumers, however on the provider side, I don't think they are in a great danger, this is at a level of economics that most people (myself included) can't really comprehend, I highly doubt leaders in Finance would invest such large sums if they didn't have a comprehensive forecast of all eventualities, let's also not forget that they do have access to many predictive modeling, data, tools... that the general public can't access. They likely can continue operating at a heavy loss for a decade.

They can also leverage their own tech to crush most businesses in an automated way if they wanted/needed to in the future. Let's be real, a good 90% of all existing techs company could be replaced and automated entirely with the right approach and unli-tokens.