Two-line summary: We’re running the economy more on credit than on income and production (that buys time, not value). More intermediaries won’t fix low circulation, heavy debt service, and weak productivity; better rails and real production will.

I know, by this title you might think I’ve turned into some kind of communist or fallen for socialist rhetoric. That’s not it. I don’t like labels. I prefer to see myself as neutral, someone who looks at things as they are (beyond ideology or convenience)....

I think it’s great that we’re in the age of AI, but I also feel we’re leaving something behind. These tools let someone with technical skill produce more in many scenarios (they clear out repetitive and even boring tasks), yet maybe that piece we are removing is fundamental to the puzzle.

We’ve never had a time so practical and capable for building things, with free or low-cost tools, easy access, and robust documentation. Still, maybe the true integrity of value lived in the difficulty of access and in the formal learning curve of a subject. I’m not saying new teaching modes aren’t welcome (they are). I’m saying that using AI every day for everything erases the “secret” inside difficult learning, and maybe that very difficulty carries lessons we cannot replace. Today those lessons get drowned out by a bunch of simple instructions (copy, paste, run)....

In banking, telecom, and payments, reliability is not a nice to have. It is table stakes. The most reliable systems I have worked on reduce entire classes of bugs before the code even runs. Functional programming and Algebraic Data Types (ADTs) let you push correctness into the type system, so illegal states cannot be constructed in the first place.

What you will learn...