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Innovative products of startups usually introduce substitute products that are cheaper, stronger, faster, and more reliable for consumers that drive existing companies out of business. We at Bitwyre have focused on creating a fast and cheap way to transfer money between borders by leveraging cryptographic military technologies, and we are willing to confront the oligopoly of the remittance market where the banks remittance companies charges’ almost 16% for every dollar sent to another person around the world by hammering these fees near to 0%. Rather than stopping these types of business that may run existing business to the ground, the government should not create any legislation to protect the existing oligopoly to survive. The more the government intervenes in the economy to keep existing business to survive, the more it is creating a fragile economy that will be the legacy to our future generation.