"Very insightful. What's fascinating to me is that the sharing economy players (I like the idea of "peers") are also self-dogfooding (eating their own dog food!) by also being themsevles consumers of the other services provided by their peers. How long till we see insurance companies built on the Uber or AirBnb model: where most "employees" are not employees anymore but contractor getting their job from an algorithm which sends them incoming calls, along with all required files to make the right decisions?" - Julien