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I look at the complexity of logic necessary to just reckon how much they should charge whose credit cards and deposit in which bank accounts, and I look at the difficulty they seem to be having both managing credit card charges and presenting creators with an informative UI that tells them what is happening to their money, and it makes me wonder whether these things are indicative of Patreon's core bookkeeping system being the software development equivalent of a train with no brakes, headed down a steep hill, fast and getting faster.