"There are tons of gay issues that are important, from gay marriage to adoption rights to work-place discrimination and more... but I think the biggest gay issue is the level of involvement of the gay community to demand change. So many gays think that other gays will take care of it. To fix this, people need to realize that they CAN make a change, but no one person can do it alone."

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For a new payment product, you always have to ask, how much better is it than the current solution? So when we started Paypal, for eBay micro merchants, it was much better than getting the 7 to 10 days process of cashing a check in the mail. When you look at stores or physical worlds, places, a lot of these places are already set up to take cash or credit card. Apple Pay may be an incremental improvement, maybe a little bit better. But when you have something that's pretty good and you go to something that's perfect, sometimes it's very hard to drive adoption because the delta is not that big.

— Peter Thiel