A lot of people have a lot of things to say when they aren't experts in the field and don't even know how blockchain technology works... I'm also no expert haha so the only thing I can say to that is I doubt that cryptos will have a bad ending, and only time will tell!
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Cryptocurrency will do to Finance, what the Internet (.com) did for Communications. It will probably take way more time than what we expect. Mass adoption is necessary. The market is Bearish for the time being. Just Hodl.
Easy peasy.