I am so very tired of these articles and the "opinions" that always leap to the forefront when they receive any attention at all.<p>The funny thing about most them is that they are always, always written by someone "talking their book." In other words, the old guard defending their turf from a new way of doing things. This 2017 article is written by a person who runs a financial services company for elders. A FinServices company, by the way, which is aimed at a market which will never uses crypto or the blockchain. So his opinion is worthless and pointless.<p>The rest of us, those of us whom the banking and finance industries have left behind and ignored, now have the ability to create currency, terms and trade amongst ourselves or anyone who agrees to our terms without being summarily denied, lied to or cheated.<p>Native Americans now have the opportunity to build on their own land by setting up a separate SOR from the one the Government forces them to use and they can document ownership to the farthest point and have it all be maintained digitally. Instead of the old oil and gas software they modified to use to split royalty payments, they can now do it all digitally and those records can be held wherever they want them to be.<p>I could cite new possibilities all day long....but if Bank Of America has enough sense to commission a report about the changes crypto is making in emerging markets, I should not have to...<p>Crypto is NOT for everyone, but neither are credit cards. For some of us the ability to be our own bank and insurance etc is far better than constantly being ignored/denied/fleeced or whatever else wall street and the tech world comes up with next. The simple fact is this: if you don't see the potential, then don't participate. Leave it for those of us who do. Your "but what about" systems whatever they are didn't work for us....but these might if they can be left alone long enough for us to build what we need from the parts we were given.<p>My main worry is that all of you "but-in skis" will cause the powers that be to pay attention to your ridiculous whining and regulate far too heavily and ruin our first real chance to be apart of the global financial system on terms that don't penalize us heavily. As all the others do.