If we want to look at it that way, perhaps we can ask what the Bitcoin Foundation was doing to make sure their members were more capable then? The fact is that

If we want to look at it that way, perhaps we can ask what the Bitcoin Foundation was doing to make sure their members were more capable then? The fact is that if you want Bitcoin to go mainstream, someone somewhere has to be able to say that a service provider is reliable because normal laypeople can't be expected to make that judgment call wisely.