Sinari Bolade spoke about something like this a while ago.
In the world of business and entrepreneurship you will wake up one day and find that policy makers have decided to distrupt your operations by changing laws in ways that would literally try to cripple you.
I don't know what to make of item 2. It deserves a whole circular on its own. This has far reaching consequences on your core banking and backend systems — databases, message queues, caches, kubernetes, AI/ML workloads...