There's an argument that the only truly decentralized money is Bitcoin. I don't necessarily disagree with that. Centralization has its perks though. A lot of t

There's an argument that the only truly decentralized money is Bitcoin. I don't necessarily disagree with that. Centralization has its perks though. A lot of things are priced in dollars, and it's somewhat convenient to not have to worry about rampant speculation and boom/bust cycles affecting the medium of value transfer. There may be a future where rather than a claim on fiat, there are tokens that provide a claim on some underlying stable-priced commodity or similar asset that isn't tied to a specific government. I think that would be a step in the right direction. But yeah — "Web3" was a buzzword, and thinking that a peer-to-peer programmable payment network was the next version of the internet was a bit misguided.