I'll go one further and say that with the exception of a few honorable pizza delivery services and casinos that were bound by their reputation, almost every ent

I'll go one further and say that with the exception of a few honorable pizza delivery services and casinos that were bound by their reputation, almost every enterprise involving crypto has been one kind of pump-and-dump scheme or another since day one. And I've got a metric fuckton of chat transcripts from early bitcoin founders in 2011 to prove it (some of whom are household names now, most of whom are wildly rich). I only got into taking Bitcoin because UIGEA cut my real-money gaming startup off at the knees right when I'd finished 3 years of coding and beta testing. I spent a lot of time in the gambling world with sharks, but Bitcoin was a whoooole other pit of snakes. And those [early Bitcoin] guys at least understood the technology and believed in the libertarian ethos of it, even if they were also the first to understand how to manipulate the market. What's gross is watching a whole generation of scammers and marks who don't even fundamentally understand what's going on. IMHO financial education is pretty simple: Don't take on debt. Don't invest in people who take on debt. Don't invest in something that's too good to be true. Save as much as you can. Save something from every paycheck. Buy stocks that pay dividends, reinvest and don't touch them until you're dead. Don't dip into capital. Don't ever sell real estate. It's not hard, it's not complicated, it's just not fast. If it's fast, it's too good to be true; see step 3.