Historically, your data hasn’t been in your control. It lives with the institutions you interact with: large tech companies, governments, health care providers, etc. This applies to both physical records, which there are increasingly less of, and digital records, which there are increasingly more of. There’s so much digital data that most of it is untouched — sitting around doing nothing. When something is done with the data, given the misaligned incentives of our existing financial system, i...