Pros
The ability to fool investors into thinking this is a company with potential and will return a profit on their investment. The ability to fool customers into thinking this is a company that is worth selecting for their 401(K) plans and providing this as a "benefit" to their employees. The ability to fool 401(K) plan participants into thinking this is a company worth using to save for retirement. The ability to fool employees into thinking this is a company worth working for.
Cons
Thinking we are disrupting an industry and actually doing something different. The only thing we do differently is not following regulations, not providing basic customer service and not providing a diverse and inclusive workplace, unless you count one that is young and male only.