It's SEC playground so they can reject whatever what they want. For those who truly believe in cryptos, they will invest in cryptos directly bypassing the traditional financial system.
Certification is primarily for IT consultant. Banks, insurance companies hire a lot of IT consultants through IT service providers (e.g. Tata, Accenture).
How can they tell if the IT consultants are qualified for the work? Certification is one way to ensure they at least meet the minimum requirement but this is not to say the certification implies the IT consultants have the skill sets or knowledge to do the job.
I used to create a lot of TODOs in the code to track things but some developers just do not prefer this way.
My team later switches to more formal project management tools to keep track of TODOs and other tasks (e.g. follow up with clients, etc) and this seems to work better for us.
I totally agree the quality of a product may or may not be directly proportional to the market share (e.g. Windows). My previous comment has nothing to do with engineering excellence. I never work at Google nor an expert on Google cloud so I don't know whether Cloud Google is well-designed (and I'm not surprised if it's).
There're different ways to measure "smart". My view is that in the cloud computing business there are people smarter than them (at least in terms of market share) so it's perfectly fine that Google Cloud engineers learn from their competitors in terms of engineering, marketing, etc.
They make you feel like they're smart but everything is relative. Google cloud is constantly the thrid in the market and significantly leg behind AWS in terms of market share while its CEO was replaced every 2 years so there are definitely smarter people (e.g. AWS engineers) out there.
Judge will order a standing ovation to start with.