As a serial entrePAYneur and the core foundational member of multiple payments companies responsible for all hardware and software architected, assembled and constructed with my very own hands I would sternly disagree with this article. I have done exactly what this article states not to do and have done so multiple times with each better than the last, it only takes an interest and an insatiable desire to learn. The world will come to learn the importance of "owning all the code" and "data control" as the cyber issues continue to cost countless billions and in time more and more bodies. Security will become paramount to everything and outsourcing for "cheap" will have a much greater cost than one realizes in the moment. Those that take greater risks have much greater reward and those risks shape the future for where we are today. My current efforts are the really fun stuff given the world's current temperature on so many fronts.

Always remember that which you read is just someone else's flavor of an experience in which they try to convey their ways on you. I am not bashing what they wrote just recognize how things would be if risks are not taken.