>> I am talking committees formed in parliaments and central banks around the world to discuss its benefits, serious universities dedicating whole programs on t

>> I am talking committees formed in parliaments and central banks around the world to discuss its benefits, serious universities dedicating whole programs on the subject, elite investors pouring money into its potential, and the list goes on. Most of this is indeed nonsensical. However, I think you may be letting the hype train move the goalposts in your mind. The vast majority of "blockchain tech" out there is indeed a scam, useless, and of no value. The same was true about what people promised about the Internet. Pets.com and all that. This is nothing new. I've owned a small amount of cryptocurrency for a long time, because to own $0 in a modern portfolio is probably not too smart if you're an index-type investor, given the market cap of BTC + ETH. However, I am no zealot of the tech and was very skeptical for a long time. I still am skeptical, but the thing that convinced me to give cryptocurrency a bit more run was the concept of decentralized financial instruments. I know the HN poster reading this can't wait to reply with any number of links of scams and rugpulls after I mention this, and it's true, scams abound. This happened on the Internet big time when people would "never put their credit card online," for example. All I can say is that the applications of decentralizing financial instruments and methods appeals to me in a way no other derived technology from cryptocurrency/blockchain has. Maybe it won't ring true for you, but I can see some novel services and products coming out of this area of blockchain technologies that will be a benefit for global payments and humans in general. Plenty will disagree, and that's fine. I'm not saying I am definitively correct. Just saying I was in a similar spot to you, and with an open mind, eventually found something.