Why not both? I get that financial systems have a purpose, I'd argue there's far more negative utility in them. They have positive effects, but a lot of their

Why not both? I get that financial systems have a purpose, I'd argue there's far more negative utility in them. They have positive effects, but a lot of their utility is not to protect people, but to control them to someone else's benefit. If they protected us without attempting to control us to the benefit of others, or brazenly looting us for our labor, nobody would be trying to build cryptocurrency in the first place.