I'm always surprised by the negativity towards crypto in tech focused forums. I understand the costs; disruptive technologies always come with enormous costs. T

I'm always surprised by the negativity towards crypto in tech focused forums. I understand the costs; disruptive technologies always come with enormous costs. The value proposition is much larger still. * Popular payment processors like visa and mastercard have become moral arbiters. Shutting down one's ability to donate to Wikileaks was a huge wake up call to the world. They've only ramped up efforts since then, blocking the purchase of marijuana, pornography, and donations to many organisations. It is clear that the centralisation of power in this space is not in the best interests of us. * Banking infrastructure is stuck in the 90s. It should never take a business day to settle payments. It should never take several business days to settle cross-boarder money transfers. It should never cost [$x|3%|whatever exorbitant exchange rate the bank is offering]. Payments should never be tracked by government agencies as a matter of course. Payments and transfers should be instant, virtually free, and private. * Confidence is low in government management of currency. Modern Monetary Theory appears to be winding its way into policy decisions which is basically the financial equivalent of formulating a nation-wide strategy based on moon crystals and horoscopes. Predictably, inflation is creeping up, and the desire for a stable store of wealth is increasing; or at least a hedge against inflation which isn't already inflated stocks. NONE of these drivers above can be completely satisfied with crypto yet, but I am amazed with the progress it has made to date, and I have no doubt these will all be solved in time - far ahead of the conventional banking industry.