Thank you for this explanation. I'll definitely be checking out the links and episodes you mentioned. I watched Trevon James' video about the hard fork last night, and it's not what I originally thought. Still, free money is free money. Obviously there are some hurdles to get to it, but it seems that in so doing, it's also an exercise in learning proper crypto security, and that's a good thing, although it would be nice if the exchanges had a higher trust factor. :/
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Maybe... but part of me thinks we're still stuck in an old paradigm. I'm much prefer we use decentralized exchanges instead of following the old central bank model. Each individual owning and controlling their own stores of value sounds really good to me.