the probability of being able to "beat the system" increases when the system is inconsistent or corrupt. - Paul Graham

Instead of simply cancelling student debt, maybe it would be a good idea to loosen the rules about discharging it via bankruptcy. Then you'd both help the people in the greatest need, and start to fix the system (because lenders would have to become less indiscriminate).

Don't fear competitors who've raised a lot, unless you can say precisely how all that extra money is going to make them beat you. E.g. if ads are the only way to acquire users, and they can buy all the ads, you're in trouble. But money per se is not dangerous.

As a rule the people who know the most about something are the pros whose incomes depend on doing it well. The pros at judging tech talent are venture capitalists. If venture capitalists' opinions differ from white nationalists', it's clear who's more likely to be right.