In this issue:

• Social Credit

• TikTok

• Technology Commoditizes Therapy

• Technology Commoditizes Me?

• Ransomware

• Xi 2035

• Gold

• DoorDash and Aggregation

Social Credit

Finance, at a micro and macro scale, revolves around credit. Households, companies, and countries go through credit cycles, where they borrow too much (or hold too much cash despite good opportunities at…