[yobbo]

I don't see the difficulty as finding the problem (schlep blindness) or an idea of the solution. Rather, it's always imagining realistic ways of implementing a solution.

In payments, for example, the problem is never "building the thing". It will always be gaining permission (whatever it means for your application) of hooking into the system. It might require depositing some amount of capital; and it's usually an amount larger than any startup can reasonably get. Most such barriers are there by design.

[tester457]

And fixing payments would have required incredible connections, the founders that chose recipe sites knew that fixing payments would have been a decade long ordeal requiring networks they did not have access to.

In some problems, the hard part isn't programming, it's everything else. At least with technical problems you can implement the recipe or streaming site and you're done. But payments was a human problem, requiring people to deal with government, regulation, accounting, etc.