I'm sorry but this just sounds bitter to me. I'm sure the people behind Robinhood did not get together and say, "let's make a product that actually solves no problems, and only pretends to disrupt." Somebody built a new app that seems like at least a cool idea to me. People had a vision and they executed on it. They built a company and they shipped. What companies have you started? What have you built?

I think Theodore Roosevelt said it best: “It is not the critic who counts; not the man who points out how the strong man stumbles, or where the doer of deeds could have done them better. The credit belongs to the man who is actually in the arena, whose face is marred by dust and sweat and blood; who strives valiantly; who errs, who comes short again and again, because there is no effort without error and shortcoming; but who does actually strive to do the deeds; who knows great enthusiasms, the great devotions; who spends himself in a worthy cause; who at the best knows in the end the triumph of high achievement, and who at the worst, if he fails, at least fails while daring greatly, so that his place shall never be with those cold and timid souls who neither know victory nor defeat.”