Regarding iteration vs. innovation, I'm so mad each time I hear about Square, Stripe, Balanced, etc. etc. as innovations in the payments space.

Find me a way to get rid of the absurd 3% worldwide tax that Visa, Amex, Mastercard take on every payment for almost NO added value (well there was added value 30 years ago, but today ?) and then, OK, let's call this innovation.