You mean the Venn diagram between poor ideas and ideas originating from marketing?

What is really unnecessary is to have the ability to transfer 20GB/s from your mouse or keyboard.

The government should mandate warning labels on companies like that, maybe “fintech” would be a good word to force them to use, similar to the way large companies have to use the “enterprise” warning label and games companies have to be labelled “triple A” to know their products and services are low quality and have a high risk of failure.