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Degrees in Comp Eng and Econ from Queen's University (ON, Canada)
Built and deployed next-gen POS product which sold to two franchisors w/ combined 45+ locations (Darwin POS Solutions).
Built and scaled web product w/ 1mm+ actives and the dev team of a profitable tech company w/ 50+ staff (Fusenet).
[ my public key: https://keybase.io/sobes_nulogy; my proof: https://keybase.io/sobes_nulogy/sigs/y8HQ4VBOZP5B7hPbI11YM3QrHqjdf2vgP4p4VSC60ho ] [ my public key: https://keybase.io/sobes; my proof: https://keybase.io/sobes/sigs/fYu-tJEPF8NUN2jA9ZaKGRgt3Jbj07RJjEuLTEm31nw ]
Reasoning is that the incentive for profit maximization would be removed and replaced with maximization of value to the service recipient. Companies (and individuals) would get the financing that works best for them, as opposed to the financing that makes the most money for the banks.
I'm curious to hear various approaches people have used, from wild-ass guess approaches with a few basic assumptions, to more rigorous approaches involving benchmarking.
Note that the technology would not be built yet, so true load testing isn't a viable option.