> Personally I prefer my money to be immune from collective action, given that it's personal funds and not collective money > It is very nice then that nobody

> Personally I prefer my money to be immune from collective action, given that it's personal funds and not collective money > It is very nice then that nobody is required to use cryptocurrency for any reason if they don't want to. Everyone who holds cryptocurrency has explicitly opted in to those benefits and risks. There’s an internal inconsistency in your logic between these two statements. Money is collective action. It is others controlling you and you controlling others. You cannot have one without the other. What you’re likely advocating for is a world without politics, where corrupt institutions are replaced by machines/systems that are pure and non-corruptible. This is the crypto dream, but it’s older then crypto. Ayn Rand is often credited with this thinking. Also, somewhat ironically, the corrupt financial system of today (including 08 crisis) is in many ways more corrupt because it was infused with this thinking in the wave of deregulation in the 90s. For a great history on this belief system I recommend the documentary “All watched over by machines of loving grace” by Adam Curtis.