[helen___keller]

Also given the failures of crypto so far I don't see any evidence that a programmable money/securities revolution would come from crypto. I would bet that a conventional tech company (think a PayPal/Robinhood hybrid) could do it much better.

[Red_Pill_Phil]

The whole point of crypto is that its not centralized. Your argument has little merit.

[helen___keller]

Why must programmable securities/money be decentralized?