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But if Snapchat had raised .7 billion in venture capital and still couldn’t sell enough ads to cover the cost of acquiring its users, what hope was there for anyone else?And even if a competitor like Snapchat did seem on the verge of achieving scale, Facebook or Google could just come along and “copy-and-crush”–Snapchat’s user growth leveled off after the introduction of Instagram stories.

So even while the value of Bitcoin and other cryptocurrencies is increasing, it’s stemming from pure speculation rather than actual economic value being created by the people who use it.

I also provide "superbills" for clients who would like to submit them to their insurance companies for out-of-network benefits.


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