You make a good point. NYSE fees do not represent the full cost of intermediation for cash equities. But my core point remains: the cost of intermediation in the financial sector is 1-2 orders of magnitude lower than 30%.

I don't think you are making your complexity argument in good faith. It is ridiculous to suggest that Uber's order matching and payment infrastructure is more complex than the full chain of financial intermediation, from order matching through clearing, settlement, and custody.