[HN Gopher] Shopify lays off 10% of staff
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       Shopify lays off 10% of staff
        
       Author : Gadiguibou
       Score  : 32 points
       Date   : 2022-07-26 13:18 UTC (9 hours ago)
        
 (HTM) web link (news.shopify.com)
 (TXT) w3m dump (news.shopify.com)
        
       | jacinabox wrote:
       | Back in 2021 I guessed that Shopify was overvalued because it
       | didn't benefit from the same network effect that Amazon benefits
       | from. (Also I preregistered this prediction so you know I'm
       | telling the truth lol no I didn't.) Shopify has an app that app
       | lets users buy from web stores that are Shopify built if they
       | have the address. This difference is reflected in the size and
       | staying power of their B2B customer base.
        
       | alldayeveryday wrote:
       | Irritating to me that we live in a system that rewards
       | irresponsible spending and debt accumulation - both on the
       | individual level and on the corporate level.
        
         | tempsy wrote:
         | how are individuals rewarded for this?
        
           | alldayeveryday wrote:
           | Examples: buying a much larger house than you need, taking
           | out mortgages on several homes, debt arbitrage (taking out
           | loans and then investing the money in vehicles with higher
           | returns than your interest on the loan). Examples where
           | taking on debt results in rewards. Have you not been paying
           | attention to the economy for the last decade? Zero or low
           | interest loans have created a perverse incentive to
           | accumulate debt and burn cash.
        
             | tempsy wrote:
             | I wouldn't consider being able to take out a big mortgage a
             | reward, it's just a thing that is possible to do.
        
               | alldayeveryday wrote:
               | 10% equity in a house that is 200k, vs 10% equity in a
               | house that is 500k. Which is bigger?
        
               | tempsy wrote:
               | What does this have to do with being rewarded in the same
               | way a corporation was being rewarded for irresponsible
               | levels of spending and cash burn in low rate environments
               | which is what you saw with Shop and others?
               | 
               | Using cheap money to buy appreciating assets is a good
               | use of debt. Using cheap money to spend extravagantly on
               | headcount and perks is not.
        
               | alldayeveryday wrote:
               | > Using cheap money to buy appreciating assets is a good
               | use of debt.
               | 
               | Yeah, right up until the point that those assets suddenly
               | diminish in value.
               | 
               | > Using cheap money to spend extravagantly on headcount
               | and perks is not.
               | 
               | The financial system seemed to disagree and rewarded the
               | behavior, ala stock price increases for extended period
               | of time, up until the point where it didn't.
               | 
               | See the similarity now? You are merely saying that "good
               | use" of debt is when you are winning in the game, and
               | "bad use" is when you are losing. The financial system
               | has for too long rewarded speculative gambling rather
               | than value generation.
        
               | tempsy wrote:
               | you're trying to frame taking out a standard mortgage on
               | a house as irresponsible gambling so no don't see how
               | that's similar to a corporation who burned billions using
               | cheap money and ended up trashing their company
        
               | alldayeveryday wrote:
               | No, re-read my comments. I said taking a mortgage on a
               | much larger home than you need, or taking out multiple
               | mortgages, or doing debt arbitrage (all, risky moves).
               | You threw in the word "standard" as a means to
               | misrepresent my argument.
        
               | [deleted]
        
         | nh23423fefe wrote:
         | Seems like you are just improperly reifying everything to
         | create a locus of accountability. Isn't this really just
         | expressing outrage, not actually describe the world as it is?
        
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       (page generated 2022-07-26 23:02 UTC)