Baabaa, please be not offended
The first part of your post above is very succinct and is a good overview of where Vmob are. If you changed the word VMob into Xero (and a couple of other words) it would equally apply to Xero.
But you seem awful disparaging of Xero.
I just find the different views you have of each interesting when they both a strategy of spending to grow with profit a long off goal...... Just an observation