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I suffered from this. I have a couple of ideas that I did not think much of, only to have it (or a facsimile) go IPO/public about a year later to much fanfare. I still remember my "private payments between friends" idea which came along before PayPal. The concept came about after lunches where someone would pick up the tab for someone else due to "forgot my wallet" syndrome. For me the trust barrier seemed too high - but ventures like PayPal prove that people sometimes part with information easier than I assumed. And I never imagined the size/transaction volume that PayPal would grow to - props to them.

In the end, execution is the key and it does not have to be perfect on day one. Half baked can be made 3/4 baked and so on...

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