Then exercise some personal responsibility and caution. Keep your passwords carefully and don't trust certain crypto insitutions. The crypto world is indeed loaded with cases of fraud, but underneath that, here is a system of systems that lets people who do indeed get locked out of conventional financial systems send and receive funds without the permission of a central regulatory authority or some dysfunctional, corrupt political control mechanism, It doesn't always work at that, but it offers one strong further alternative. Also, how is it upending the lives of billions of people? The two things you compare at the end are not directly related and definitely not in a causative way. Wanting a further means of avoiding being a victim of dumb banking accidents doesn't make you culpable in whatever defects crypto has.
It's not just the rampantly emotional and repetivie crypto hate on HN that's absurd, it's also the sheer narrow follishness of so many of the arguments that's rather galling.
