Proposal: HWIGS HN: How would I get started
HN is filled with wonderfully intelligent, well-meaning and thoughtful people.
So, just like we have Ask HN, Tell HN, Ask PG, Tell PG...I propose 'HWIGS HN'.
Where each thread is chock full of ideas that can help the person wanting to achieve something.
E.g.
HWIGS HN: Building a bank entirely online
If you have something to contribute to building a bank online, you can chime in. If you don't, do not.
If you bring negativity and uselessly detract from the discussion of that thread, all HN members are obligated to downvote you into oblivion.
If you have nothing constructive to say, then don't comment.
That being said...that doesn't mean you need say everything positive. E.g. if the idea is bad (or there are particular pitfalls based on research and experience you can draw on), feel free to chime in and provide that information in a non-emotional, non-trolling way.
Even if this never leads to any of these things being built, I think it would be a good thought exercise for the community.
Plus, it will help us to learn more about other industries we may not be directly involved with - and perhaps hear from users that don't have as much karma as patio11 =)