[frgtpsswrdlame]

They don't really need to explain it in any real sense. A bank creates Wells-coin, then a bunch of their sales people go out and start talking to clients about how this is the new thing, show a nice returns chart for ETH and BTC, talk about "decentralization" and "blockchain" and how this is the future, do you wanna hop on? Traditional investments already fly over the heads of most people and yet they still have 401ks and IRAs. My problem is that these cryptocoins are so incredibly volatile that there's no way laymen should be invested in them.