[hocuspocus]

> programmable money

Where there's code, there are bugs. I don't want that in my money, thanks.

> no middle-men for transactions

At what cost? Most people don't care about censorship resistance, they want free/cheap/fast payments and transfers.

> lower barrier to entry for innovation in financial services

There's plenty of innovation in finance given the proper legal framework. See the number of fintech startups popping up every year. The only innovation we see in the cryptocurrency space is the recycling of old scams that are impossible in modern finance.

[oblio]

> Where there's code, there are bugs. I don't want that in my money, thanks.

Yeah, money should be data, dumb configuration, not code.

Add another, completely separate layer on top of that, for the code.

[arbol]

Data is still controlled by code and is just as easily affected by bugs.