Hate to say it but kind of a lousy article... zippy writing but lots of Monday Morning Quarterbacking for something the author doesn't seem to show much knowledge of. Maybe this is his style to gin up subscribers, but I'm not a fan.

> But nobody was optimizing for cost. They were optimizing for their next promotion. Each rewrite was a new proposal, a new design doc, a new system to put on a resume. The incentive was never to pick the boring, correct choice — it was to pick the complex, impressive one.

...I guess it could be possible nobody thought about cost at all, and this was all misaligned incentives and resume-driven development, but I find that kind of hard to believe? As someone who has made cost mistakes in the cloud, this claim seems a bit silly.

Not to detract from his experience, but I didn't actually see much payments experience at all on his resume, so I'm curious why he's branding himself as a payments guru. Kind of tech content creation fluff, I guess.