Odaily Planet Daily reports that Elon Musk's X Money initiative has been hampered by regulatory obstacles and employee turnover. One of Musk's biggest ambitions is to use technology to disrupt and replace traditional banks and payment processors. Meanwhile, one of his management philosophies is to push employees to develop products as quickly and cost-effectively as possible. Within X, these two philosophies are clashing. Musk's desire to quickly launch a nationwide payment service has led to regulatory hurdles, triggering a wave of senior employee departures.