https://techcrunch.com/2022/04/29/robinhoods-sinking-value-is-proof-that-free-can-often-be-very-costly/

One thing I love about fintech is the promise of unlocking more tools for more people. In a broad sense, the current era of fintech has done just that — people around the world now have access to financial services that were earlier either completely out of reach before, or, at a minimum, prohibitively expensive.

Neobanks, fintech APIs, new savings programs, infinite cards for different payment methods, stablecoins for cross-border payments, cheaper fiat transfers, and, of course, zero-cost trading have improved how the average person can use, store, and interact with money. It pretty much rules.