In March of 2000, Elon Musk, founder of X.com, decided to acquire Confinity, a company specializing in payment cryptography. Confinity was founded in 1998 by four young entrepreneurs of computer science and economics backgrounds, and who, by 1999 had developed an encryption-based, money transfer system, which they called “PayPal.” Soon after X.com had acquired PayPal, Musk decided to shift the company focus to the further development of PayPal, and ultimately decided to make it the new name of his company. Launching a dot-com company such as PayPal was not an easy task to do back in the early 2000s, because the digital divide was much more drastic than it is today. As of 2012, 25% of households with a computer did not have access to the internet. In 2001, half of the households in the United States that had a computer did not have internet service, so spreading the word of software such as PayPal was tougher. To counteract the digital divide, and increase its number of users, PayPal began to offer a $10 sign up reward to new users, as well as a referral bonus for other new users...