As for Charlie- remember, this is a guy who went from selling big ugly dishes out of the back of a pickup to being a billionaire. Somehow, someway, I suspect he knows a little bit more about what he's doing and why, than anyone on this board.
Credit where credit's due. Charlie is an absolute pro at two things:
1. Counting cards in Vegas,
2. Building his financial wealth and company off the broken backs of his employees for substandard wages and benefits while he pockets the difference.
I can become a billionaire too. All I need to do is find a bank stupid enough to subsidize me, and convince people I actually care about their financial well-being until I can siphon off the money they earn for myself.
No one said Charlie isn't an innovator. We said he's a horrifying employer, a poor leader and a morally questionable man.