Every beginning is hard, I remember people being sceptical about e-money few years ago, because you could not hold the money in your hand. But now they are sceptical about not having a legal institution behind, that regulates the value. I think that in next few years, we will have programs implemented in the blockchain technology, that will do better job regulating the value of our money, than any central authority.
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I don't know or a institution behind it is necessary, but it will grow and there will be some very useful and nice projects, of that I am sure! Why not "regulate" it ourselves?
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