People absolutely can change the world. I think we are waking up to that fact, which is why I believe crowd funding is so popular. There is no need to wait for a bank to decide whether your project is worthy or not. Just take it to the people.
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The more minds, the merrier. The micromanagement of central banksters has been incredibly destructive to the purchasing power of currency and has had a deleterious effect on real capital. Blockchain technology is the future of investment and finance, and our best hope for not repeating the banking mistakes of the past.