It's not a goal just a concept. Point 1 isn't true. There doesn't need to be a issuing institution. Just look at gold. As for 2., yes, it seems that the promi

It's not a goal just a concept. Point 1 isn't true. There doesn't need to be a issuing institution. Just look at gold. As for 2., yes, it seems that the promises from centralised institutions you mention always end up being fraudulent