David Meier

someone else having an issue and your business being affected.

I agree with what Tom was saying.

I don't think there's any additional risk premium that's needed.

Part of the reason is, there's actually a market that's determining where people will spend their money.

We don't have a single point of failure.

This isn't a monopoly.

And if these incidences grew in frequency, what would happen?

people would switch.

There's actually a massive incentive for these companies to make sure that the systems are reliable.

Again, it happened early in the morning.

There was an immediate response.

It actually got back online pretty quickly.

If it was that serious, they responded quickly.

I'm sure that they've learned.

We'll see what happens going forward.

But I actually think the market is what controls the risk.

I realize it would be a pain to switch, but there are options available for substitution.

Robinhood is not for me as an investor.

We work for The Motley Fool.

We tend to think about things differently.