Many investment opportunities are closed off to willing participants by government regulation, investment minimums, transaction costs and other factors. Lookin

Many investment opportunities are closed off to willing participants by government regulation, investment minimums, transaction costs and other factors. Looking at most (not all) of the non-currency alt coins, there is clearly demand for cheap access to new investment opportunities. Yes, a lot of people are going to lose to scams, some have already. At the same time distributed ledgers do solve a very real "access" problem. Similarly, contracts and banking have not integrated well with the technologies most business uses. Yes, Stripe has reduced payments friction beautifully, and Paypal has brought credit applications and approvals to the checkout process. But big dollar transactions that use Letters of Credit, structured loans, milestone payments, etc... these areas have few programmatic solutions. Smart contracts are a fast approaching solution to this need, they have no analog in the conventional commercial world, and yes - they will be a game changer. If my customers can issue an irrevocable L/C, denominated in Etherium for example, that is self executing based on terms mutually agreed in advance, then my business will chose that route over lengthy and expensive bank L/C's. It also means we'd probably choose Quantstamp for contract security, and perhaps SALT Lending to fund the Ether, and possibly expend BNB to covert the currency into Litecoin for storage until such time as we convert to fiat. That is the promised ecosystem. It is no more expensive or complex than the universe that surrounded EDI, or that describes most business process integrations in common use today. Its just difficult to look at all this from both a business and programmatic point-of-view simultaneously.