Yes, I completely agree with that, but one thing that immediately comes to my mind with regards to this is that if they had enough money they wont sell the company and we are back to the original problem. And thats not to mention that WU was in a way in a much easier position because they were first. Creating some web application/page 15 years ago was like it or not, much easier because there was at least 100 times less sites and so lot of potential for new ideas etc. Finding a gap in the market today is extremely difficult, just like for example becoming a successful blogger, youtuber etc.