read the propublica article - it explains. or be lazy. loans ;) in particular low interest loans. as high interest loans would sort of ruin the plot and those are reserved for the working class.
some fair arguments here... but this is exactly the same kind of vibe most people emitted when i went to CS grad school in the early 90s. everyone was like, 'oh msft is so evil. they suck.' and i just didn't understand. in reality msft put compute in front of everyone and created an insane amount of opportunity. this sounds like a 'get off my lawn' broad attitude and maybe a better approach is to be open to some of the innovation that is getting put down here.
pretty good arguments from both sides here and lots to learn; although, Chamath has many valid points he is also really good at skirting around some of the questions. hubris on both ends.