Daily Tearsheet: Robinhood’s UX experiment backfired, Oxygen’s new debit loyalty campaign, and the launch of Tearsheet’s 10-Q newsletter

• In a good market, Robinhood's slick UX made it fun to trade. Now, people are losing money and leaving the online broker.
• Also, there's new creativity around loyalty programs for banking, including Oxygen's four-tiered new product, Elements.