Still in payments.
Companies at $1 million-plus a month taught me the same thing: distribution beats cleverness.
You can have a beautiful product and still die on processing, refunds, and support. Chargebacks and account shutdowns are not edge cases. They are the business.
That is why I stayed close to eCommerce and payments. Operators need someone who will have a grown-up conversation about risk, retries, and getting paid.