Matthew

by Matthew Jan 24, 2026 · Edited

Why a 4.0 GPA Is the New Red Flag

AI has made knowledge free while university tuition has increased 312% since 1963. This creates an obvious arbitrage: get accepted to elite schools to validate your intelligence ($90), use AI to actually learn (free), build a portfolio of real projects, then drop out before accumulating debt. A 4.0 GPA is becoming a red flag signaling "I followed the old system" rather than building things. Universities must transform into creativity engines or face irrelevance.

by Matthew Feb 3, 2026

There's a Central Bank in the 8th Circle of Hell

In 1281, Florence burned a counterfeiter alive for diluting gold coins. Dante immortalized him in The Divine Comedy, suffering eternally in the eighth circle of Hell. His sin: creating money without productive work, diluting everyone's holdings, extracting real wealth while contributing nothing. Today, central banks do the same with keystrokes, creating trillions annually. Same mechanism. Same theft. Same sin. Only the legal authority differs.

by Matthew Sep 12, 2025 · Edited

The Age of Single-Day Bank Failures

How fast can a bank failure happen? Silicon Valley Bank set a new modern record for a single-day bank run, but can collapses occur faster?