This is a great read, @matthewdavid! I haven't seen bitshares yet, and am definitely going to check it out. I totally agree that you can bypass the bank by doing business online, accepting crypto, and making sure you use retailers that accept crypto. This supports the growth of the different blockchains, encourages growth, and helps people become independent of the chrony's at the bank!
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Definitely check out Bitshares. Let me know if you have any questions and I'll be happy to help.