Classic investors are scared to be associated with a disruptor against the "big two". Our idea is Web Apps (PWA) combined with Blockchain. Take a look at yappadappadoo.com - it's not perfect, but it's another attempt to get rid of the need to use the "hidden-hand" companies
I agree with this statement of Yappadappadoo in Twitter. Coward are those who do not even want to give a try to go against the mainstream. They are afraid of failing. But I always admire the saying that says, it is better to fail than regret all life for not trying.
https://yappadappadoo.com/index.html