About Time Coffee, Another amazing and thriving startup story? I highly doubt it. Actually, I couldn't care less about this one specifically. As the founder of Ofo, a bike sharing company in China, Over 15 million people are still patiently waiting for the reimbursement of their cash deposits (ranging from $15 to $30 per user) after several years, which is equivalent to the population of the Netherlands. Personally, I consider ofo to be a Ponzi scheme. The founder Dai Wei has been legally blacklisted, and now they have initiated a new business using all those unreturned deposit funds? Seriously, this situation presents a significant challenge and criticism of credit scoring systems in the United States.