Employment of a white collar professional is essentially a bet, on the company's part, "We think you're, hmm, call it three orders of magnitude more productive at this firm than you would be without our structure/capital" Founding is a complicated bet which rounds to: "... Nah."
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Pretend you're a mortgage underwriter. How many mortgages can you underwrite sufficient for resale into a GSE in 3 months given you're working for Bank of America? How many mortgages can you underwrite sufficient for resale into a GSE in 3 months with just an iPhone?
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Isn't the relevant comparison how productive they would be at a different firm
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If I could target the subset of easy to process repeat prescriptions then I could process 100-100000x more armed with computer and a telephone. The chances of winning those customers whilst making money on my own is small.
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The results of that calculation can vary a lot depending on what's on that iPhone, and how buearucratic Walgreens is. Also, not all productivity is fungible - a copywriter can also be a novelist and the two outputs aren't comparable, arguably.
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