[HNfriend234]

There is lots of speculation now but I think eventually real-world applications will be made with crypto. At the very least, it will be likely that the bigger cryptos will start to be accepted by major companies to buy goods/services.

[rgifford]

Crypto doesn't make a good currency for average consumers due to its instability. Who would do day to day purchases w/ funds that fluctuate +/- 10 percent? This is why you want centralization.

Store of wealth? Aight, you got me. Solid arguments to be made for it as a new anti-fiat. Its recent divergence from gold concerns me though. That seems bubbly.

As a settlement protocol between nations and financial institutions? Already well proven out and in use. No argument to be made.