"When I was 9, my parents let me take a cab to the mall all by myself. I had hardly any money to spend, but I did have a very specific list of things I wanted to do: buy cookies and sit on the furniture at Sears."

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I look around my neighborhood, and I see people hailing a cab or ordering their food and then paying for it all with their phone. I've read about that stuff for a really long time, and now it's starting to become commonplace.

— Ben Silbermann