Last week, a fellow builder working on a zero-knowledge financial tracker left a thoughtful comment on the Metamorphic Product Hunt page. He hit his first 100% streak, said he liked the product, and then — because he's deep in the same architectural decisions I've been living with — asked me three questions.

They're the same three questions I get asked everywhere: in DMs, in calls with potential customers, in conversations with other founders. So I'm pulling my reply out of the thread and putting it here, because if you're building anything zero-knowledge, you'll get asked all three eventually.

The questions:

Is end-to-end encryption worth keeping in the core, or should it be optional?

Aren't you worried about users losing their data, with no way for you to help?