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As LeoPanthera said, it is clearly implied.

I read the implication as: being at the mercy of a third party. You can do nothing.
Surely we aren't meant to believe that having some critical part of our lives or businesses dependent on a third party is "a little bit ridiculous"?

I don't imagine I should be expected to launch my own bank or semiconductor fab.

In the context of software
So we are all expected to build our own payment processors in order to not be ridiculous?

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