Technology decouples economies. AirBNB owns no rooms, but provides accommodations; Uber owns (essentially) no vehicles, but provides transport; Stripe is not a bank, but provides bank accounts; a vast panoply of corporate services run on Amazon-owned servers. There are many excellent things about this decoupling; it improves efficiency, aids focus, and spurs innovation.
But technology also has an increasingly nasty habit of decoupling authority from responsibility. Is there a problem with…