What is your perspective on the notion that every B2B SaaS application will be built directly on the data warehouse?

Personally, I struggle to reason about how a modern transactional application could be built on top of someone else's database, where you don't have the ultimate authority over what that database does and how it performs. I think that would be really, really difficult problem to solve. 

I think it's an interesting thing to keep an eye out for in the space—I haven't seen anything that has been successful using that architecture, but it’s definitely interesting.