Comment by badcppdev

I think your last sentence is correct. I think author is saying that you can't make it work and THEN make it right with payment systems.

This is my opinion as well and I've been involved in the audit of a fintech system where auditors had to download EVERYTHING into excel spreadsheets and make the numbers balance before they would sign off on the books. That took a lot of time and money I'm guessing made a difference of at least .1 unicorns in the liquidity even that took place 3 years later.