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It's hard to extract money from consumers except for three things: games, advertising and, to a certain extent, hardware.

This isn't true. Consumers happily pay for a lot of other things that web companies / tech startups offer: - content & entertainment (hulu, netflix, nytimes) - personal finance (lending club, esurance) - dating (match, eharmony) - ecommerce (bonobos, zappos) - gifts (FB, redenvelope)

In fact, I'd guess there are probably a lot of offline consumer spend buckets that will come online in the next few years if they haven't already.

Perhaps we're quibbling over semantics on how "hard" it is... but trends seem to indicate it is becoming far easier.



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