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Do you expect to ever end the arms race of finding loopholes vs closing them? What would this look like?

I don't believe it's possible. You can't fight bad actors by hoping they'll just somehow lose. The unregulated "more competition" market quickly turns into a "less competition" market as the most ruthless parties establish dominance through whatever means necessary. Your barriers to entry, in the extreme case, become things like physical intimidation.






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