I haven’t really needed one myself but it’s more that I miss the opportunity to plan ahead where I’m going.

Yes, it happened. As I recall he tried to talk to the “protesters” but realized it was to no avail.

I like Tutanota, but find it visually annoying.

It’s expensive to start a business. You’d need some seed money to start the thing for rent, products, salary and more. If a bunch of people go together, pool their money, sure they might get it to work, but they also share all the risk of failure. Also, who decides if there is conflict? Who has the final say? Not everything can be solved by compromise.