> You don't properly evaluate the present value of money if you are willing to trade your present money for future money at completely unknown conversion rate a

> You don't properly evaluate the present value of money if you are willing to trade your present money for future money at completely unknown conversion rate and adoption date. Unknown can mean many things. I'm convinced that the fair value of crypto is much, much higher. Adoption is still sluggish and small. I believe in crypto's success, which you might call speculation.