Both Amazon and Apple have law departments larger than most large startups. It was intentional. They know nobody will do anything. So really, it's a case of "tech company pretends to be incompetent at pretending to be a bank."

Sign up X customers and make Y dollars.

Get fined Z dollars for breaking a regulation.

If Y > Z, congratulate those responsible.

+/- TOO_BIG_TO_FAIL

We should also factor in.

Legally Signup n customers and make W dollars.

It should meet Y-W > Z