Why earn points when you could earn equity?
Coinbase, JPMorgan, BofA, Mercury, Revolut, Starbucks, etc. should just give customers tiny amounts of stock.
Spend $1,000 → get $1 of equity.
Instead of earning some bullshit points program nobody understands, you slowly become an owner of the business you use.
Imagine using Starbucks for 20 years and realizing you own $5,000 of Starbucks stock.
Technically this seems trivial now. The alignment + customer lock-in would be insane.
Surprised someone hasn’t cracked this yet.