So true. In my opinion Stephen makes the mistake of mixing the technology (Blockchains) with the Ponzi schemes that some people use them for. To give an analogy, the internet is used for crime, but it would be wrong to say it was invented for that purpose and it should be abandoned. Blockchains are the only known way of having a digital cash system without a Central authority. Period. A small percentage of people are getting richer and richer with the status quo (banks, payment processors, etc...) They are milking people with their transaction fees, interests, cross border fees, etc... They are also bailed out with taxpayers money when they mismanage money. It's about time we cut out the middle man, and crypto is the only known way to do that!