It's more for de-risking startup employees. Having an option is the best way to generate wealth. That option though comes with trouble if you leave early and t

It's more for de-risking startup employees. Having an option is the best way to generate wealth. That option though comes with trouble if you leave early and there is no liquidity event. With IPOs now taking 10+ years you have a lot of folks who are stuck, not to mention at the mercy of management. For the common man, it becomes difficult to get in early for the second wave of growth if IPOs are delayed. Having investments only run through a 401k imposes this arbitrary middle management tax. ICOs are an interesting opportunity in that you can completely bypass the stock market and the stock registry. You can even bypass the merchant banks. There should be a way to get into companies early.. at the moment everyone goes all in on real estate speculation, which makes no sense. It's better to focus growth in companies..