Almost certainly. I work for a large company that does financial modelling and analytics for risk. That's the only working model that they have going forwards and believe me it's going to be expensive. They are operating at a loss. And they will be introducing that before they go IPO. They're delaying the IPOs through some of the "we're not ready" PR statements to get as many people dependent on the product as possible and to avoid making public finance statements.

It's going to be a mess very soon. A huge mess. A huge incremental cost mess.

You're being hooked on the good heroin and they're going to charge you for the shit stuff later.