I think anyone who is serious about their business and branding should own the exact match domain to stack with their marketing materials. Unfortunately, the issue 9 times out of 10 is that the new start-up can't afford the resellers price-point and negotiations don't drive the price down to a more affordable level. The result is the start-up going with a cheaper version or registering a version with an added word or digit.
It should be part of every new start-ups business plan and goals to open a separate savings account dedicated to a % each month from revenue to be deposited so they can save up for that exact match domain. If their business model is solid enough, it can withstand the test of time to save enough to acquire it later.
The question as to whether or not a new start-up should take out a loan to acquire the exact match domain they couldn't afford otherwise is debatable and falls back on their business model and business plan.
A poor business plan and revenue model could bankrupt a new start-up after spending their loan on a domain they can no longer afford to pay back. The thought of a premium domain being the save all answer to success is off-base and imaginary. It genuinely takes a combination of things to make a business successful..
There's no magic pill to success, weight loss, or immortality...
In my opinion...
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