[HN Gopher] Coinbase mafia shows how tight a circle holds sway o...
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       Coinbase mafia shows how tight a circle holds sway over Bitcoin
        
       Author : T-A
       Score  : 131 points
       Date   : 2021-02-28 08:37 UTC (14 hours ago)
        
 (HTM) web link (www.bloomberg.com)
 (TXT) w3m dump (www.bloomberg.com)
        
       | ffggvv wrote:
       | is bitcoin truly decentralized? in the sense that there's a
       | centralized ledger that anyone can access and see transactions? i
       | know the ledger is copied and decentralized to all nodes but for
       | instance if i go on the street corner and buy something with
       | cash, no one in the world knows other than the participants. with
       | bitcoin everyone in the world knows and it's recorded for all
       | time
        
       | asdev wrote:
       | unrelated comment: it's crazy how anti crypto and anti blockchain
       | HN is for being a tech community
        
         | betterunix2 wrote:
         | What's crazy about that? There are strong technical arguments
         | against Bitcoin and related cryptocurrencies. Bitcoin is an
         | environmental disaster that uses as much energy as a large
         | country to process a tiny number of transactions. The security
         | of Bitcoin is backwards, requiring honest parties to do _more_
         | work than attackers. Ultimately Bitcoin was not even designed
         | to solve any specific technical problems, just a vague, open-
         | ended goal of  "decentralization;" it was more of a political
         | statement than anything else...
        
           | hertzrat wrote:
           | And with the main goal being decentralization, almost the
           | entire blockchain is controlled by a few groups of miners and
           | hoarders. It's as or more centralized than ordinary currency
        
             | betterunix2 wrote:
             | Except that "decentralization" is not a specific goal; it
             | is vague and open-ended. Bitcoin has always relied on
             | central authorities of some sort -- for a long time the
             | peer-to-peer bootstrapping strategy was highly centralized
             | (in an IRC channel), and everyone takes for granted the
             | role of IANA and RIRs in making all Internet applications
             | possible. So why should we complain about miners, hoarders,
             | and exchanges? When you never specifically define your
             | goals, it is easy to ignore inconvenient "problems."
        
         | totalZero wrote:
         | If bitcoin has technical weaknesses you'd expect the dissent to
         | come from the technologists first, no?
        
         | matvore wrote:
         | Cryptocurrency promotion implies to some extent that central
         | control of money is a bad thing. So it is somewhat political.
         | 
         | I think most HN folks are against it for political reasons to a
         | certain extent. Even if they say they aren't, they are getting
         | their information from and socializing in a bubble with a
         | political bias.
         | 
         | There are some news topics on HN that i will never read the
         | comments of because of how motivated and biased the reasoning
         | is behind them. Bitcoin comments I will still read though,
         | since it's fun to see everyone's tone and reasoning evolve as
         | Bitcoin slowly gets more traction and rises in price over time.
        
           | dmitriid wrote:
           | There's nothing political in the simple fact that Bitcoin
           | (and blockchains in general) is a bad technology for any of
           | the uses that it's advertised for:
           | https://medium.com/@kaistinchcombe/ten-years-in-nobody-
           | has-c... (and the second part, linked directly from that
           | article)
        
         | paulryanrogers wrote:
         | Is it? Would it be crazy how anti-homeopathy a medical forum
         | could be?
         | 
         | Perhaps a tech savvy community is more aware of the flaws of
         | BTC, and therefore more bearish on it's prospects.
        
           | [deleted]
        
         | sidlls wrote:
         | What about being a tech community suggests it should not be
         | anti-crypto/blockchain?
        
         | rchaud wrote:
         | It may be because cryptocurrencies in their present state
         | represent little other than a electricity-hungry 'store of
         | value' rather than its considerably loftier original goals.
        
           | 177tcca wrote:
           | "Represent" in the public and media mind share.
           | 
           | What the technology actually is capable of, and is doing
           | today, these are different things.
        
             | rchaud wrote:
             | Sure, but we are not commenting on a story about crypto-
             | related applications. The story is about a centralized
             | exchange going public. Coinbase doesn't care what dApps
             | will be created on Ethereum or whatever, in the same that
             | my broker doesn't care about how my GME purchase will
             | strike a blow for the little guy. They're both just there
             | to pick up their cut.
        
               | 177tcca wrote:
               | Just a few days ago, I saw their promotions on their page
               | offering a bit of new coins to learn more about their
               | specific utility and technology behind them.
               | 
               | I dunno.
        
         | tiku wrote:
         | We can't even begin to imagine all the new tech that will use
         | blockchain (related) tech yet. The money making is just the
         | "nasty" part of it now.
         | 
         | A recent development is that of NFT's for example. And the
         | smart contracts thing is just understandable for us tech nerds,
         | but if all our customers and entrepeneurs get wind of it..
         | brace yourself.
        
           | dmitriid wrote:
           | > We can't even begin to imagine all the new tech that will
           | use blockchain (related) tech yet.
           | 
           | Perhaps because it doesn't, and can't produce any "new tech"?
           | 
           | > And the smart contracts thing is just understandable for us
           | tech nerds, but if all our customers and entrepeneurs get
           | wind of it.. brace yourself.
           | 
           | No one will brace themselves. Smart contracts have
           | innumerable problems that cannot be solved, and are inherent
           | in the fact that it's just a piece of technology, and
           | technology by itself can't do anything.
           | 
           | 1. They are digital only. And can only govern things that can
           | be programatically checked. So, anything that can't be
           | checked (for example, delivery of physical goods) is out of
           | the question. If you say "but yes, those things can be
           | provided by people", you're back to being no better than
           | regular contracts (which also have a bunch of laws and
           | regulations around them protecting all the parties in the
           | contract).
           | 
           | 2. They require all involved parties to understand, vet and
           | audit programs written in any number of esotheric programming
           | languages. Yeah, good luck with getting customers and
           | entrepreneurs getting wind of it.
        
         | dmitriid wrote:
         | Because, and bear with me for a moment, the tech community
         | understands how worthless this technology is?
        
       | Traster wrote:
       | It is kind of funny that exchanges have become so successful for
       | Bitcoin- since they lose 100% of the stuff that made BTC
       | attractive in the first place. They're centralised, regulated and
       | transactions don't even go on the blockchain.
       | 
       | The result is that the number 1 way people get into Bitcoin is
       | through a mechanism that has none of the attributes of Bitcoin.
        
         | pedalpete wrote:
         | That's the way people "get into it", as you need to be able to
         | purchase bitcoin somehow, and atm, the easiest way is through a
         | centralized exchange. There needs to be a level of trust when
         | you are moving from a centralized system to a decentralized
         | system.
         | 
         | But once you have your cyrpto, you can move it to your own
         | wallet, or anywhere else you'd like. I can't do that with fiat
         | currency.
        
         | DennisP wrote:
         | The decentralized exchanges are on Ethereum. Uniswap alone has
         | over $100 billion in cumulative volume so far.
         | 
         | But if you want to interact with legacy banking systems then of
         | course you need an exchange that's hooked into all that. I
         | don't see why that should surprise anyone.
        
         | esperent wrote:
         | Exchanges reduce risk and make things easy for casual users. By
         | casual, I mean people who just want to invest and don't care
         | much about the mechanics of bitcoin which was always going to
         | be ~99% of users.
         | 
         | What are the other options? Using an exchange is risky (or at
         | least seems risky to me, a person with almost zero crypto
         | experience). Bitcoin ATMs? I know they exist, I've never
         | personally seen one. Handing cash to a stranger? Definitely
         | risky.
        
         | rchaud wrote:
         | > It is kind of funny that exchanges have become so successful
         | for Bitcoin
         | 
         | When everyone's prospecting for gold, sell shovels.
        
         | andrewtbham wrote:
         | I think the fixed supply is what attracts people.
        
           | mcguire wrote:
           | Which results in long-term depreciation, such that _spending_
           | bitcoin is economically irrational.
        
             | EVa5I7bHFq9mnYK wrote:
             | It is not so, because humans have finite life span. So they
             | MUST spend their coins within a fixed time frame of about
             | 70 years.
        
         | read_if_gay_ wrote:
         | > They're centralised, regulated and transactions don't even go
         | on the blockchain.
         | 
         | Of course. All of that is kind of unavoidable if you want to
         | interface with fiat.
        
           | vbezhenar wrote:
           | Not really. I can buy bitcoins on localbitcoins and it's
           | pretty decentralized.
        
             | robcohen wrote:
             | Under US law it is illegal to use localbitcoins. It's a
             | violation of money transmitter laws.
             | 
             | https://kelman.law/blog/money-transmitter-licensing-for-
             | u-s-...
        
               | gruez wrote:
               | Only if you're a business, right? Does offering to buy
               | 500 euros off your friend because he have some left over
               | from his european vacation make you a MSB?
        
               | yawnr wrote:
               | Your friend would be the money transmitter in this case
               | and at that scale no one would care, but if he did it
               | with 1000 "friends" then, well yeah. People have gotten
               | arrested and charged for operating on localbitcoins
               | without proper licensing.
        
               | seibelj wrote:
               | There is a difference from selling a few cars to
               | strangers, and setting up a car-selling business which
               | would then be subject to a bajillion rules and
               | regulations.
               | 
               | The same for selling bitcoins. You can do it a few times
               | but if you make it a business you become a MSB.
        
               | PaulAJ wrote:
               | That isn't quite true. Money business laws only apply to
               | people doing it as business, so your friend is in the
               | clear de-jure as well as de-facto. One of the things a
               | prosecutor would have to prove as part of the case is
               | that this was in fact a business. Typically this would be
               | done by showing that he had been listing both buy and
               | sell on localbitcoins.com and/or by setting up a test
               | purchase that showed he was dealing with anyone who
               | showed up.
        
             | viraptor wrote:
             | The fact you got to the localbitcoins service and tell it
             | who you do the exchange with makes it at least a
             | centralised place of information.
        
               | 177tcca wrote:
               | So basically the consumer tech hasn't yet caught up with
               | the technology, is what you're saying?
               | 
               | Once there are enough people buying and selling for cash,
               | you'll just need to find an old payphone, or some other
               | known meeting place, if popular technical means are
               | legislated away.
        
               | [deleted]
        
         | saurik wrote:
         | And yet, you did get there, and once there you interoperate --
         | permissionlessly -- with any other exchange.
        
         | dehrmann wrote:
         | > The result is that the number 1 way people get into Bitcoin
         | is through a mechanism that has none of the attributes of
         | Bitcoin.
         | 
         | Sure, but 95% of people don't care about that. They just want
         | an asset they will go up. Everything else is just a story
         | people tell themselves so they're not putting 20% of their net
         | worth in trading cards.
        
           | anonisko wrote:
           | Every store of value that has ever existed and will ever
           | exist is just a game of speculation that it will continue to
           | be valued when you're ready to withdraw your money to do
           | things you've saved for.
           | 
           | Gold was the best portable and fungible speculative bet for a
           | very long time.
           | 
           | Bonds are speculation that a country will continue to be
           | productive and well managed enough to pay their debts without
           | resorting to massive inflation.
           | 
           | Stocks are a speculation that a company will continue to be
           | competitive and profitable for long enough to recoup your
           | investment.
           | 
           | Real estate is a speculation that an area will continue to be
           | a desirable place to live or useful for some industry.
           | 
           | Rare art is a speculation that people will still be willing
           | to pay millions for your original Picasso and that we won't
           | be able to produce undetectable copies with better
           | technology.
           | 
           | Bitcoin is a speculation that people want a digital, neutral
           | store of value like gold was that they can park excess money
           | in that they don't have a better use for right now.
        
             | ForHackernews wrote:
             | I disagree with this: there's a genuine difference between
             | non-productive assets like bitcoin (and gold) and
             | productive ones like companies.
             | 
             | > Today the world's gold stock is about 170,000 metric
             | tons. If all of this gold were melded together, it would
             | form a cube of about 68 feet per side. (Picture it fitting
             | comfortably within a baseball infield.) At $1,750 per ounce
             | - gold's price as I write this - its value would be $9.6
             | trillion. Call this cube pile A.
             | 
             | > Let's now create a pile B costing an equal amount. For
             | that, we could buy all U.S. cropland (400 million acres
             | with output of about $200 billion annually), plus 16 Exxon
             | Mobils (the world's most profitable company, one earning
             | more than $40 billion annually). After these purchases, we
             | would have about $1 trillion left over for walking-around
             | money (no sense feeling strapped after this buying binge).
             | Can you imagine an investor with $9.6 trillion selecting
             | pile A over pile B?
             | 
             | > ...
             | 
             | > A century from now the 400 million acres of farmland will
             | have produced staggering amounts of corn, wheat, cotton,
             | and other crops - and will continue to produce that
             | valuable bounty, _whatever the currency may be_. Exxon
             | Mobil will probably have delivered trillions of dollars in
             | dividends to its owners and will also hold assets worth
             | many more trillions (and, remember, you get 16 Exxons). The
             | 170,000 tons of gold will be unchanged in size and still
             | incapable of producing anything. You can fondle the cube,
             | but it will not respond.
             | 
             | --Warren Buffett
             | https://www.berkshirehathaway.com/letters/2011ltr.pdf
             | 
             | (emphasis added in the final paragraph)
        
             | guilamu wrote:
             | You've made some excellent points here, mate, thanks.
        
             | bunfunton wrote:
             | Great comment, thanks
        
           | UShouldBWorking wrote:
           | Are you saying 95% of people are idiots? I'd always have put
           | the figure at just 80 or so.
        
         | mettamage wrote:
         | From centralized exchanges the decentralized exchanges evolved
         | since they share your criticism.
         | 
         | The way I look at it: people create things, these things have
         | certain effects. That's all there's to it. I don't mind that
         | it's almost 100% against the idealism of Bitcoin, the fact that
         | centralized exchanges were created and used is interesting in
         | itself. Moreover, it's not necessarily incompatible with
         | decentralization since trading Bitcoin on an exchange
         | (centralized) is something else than exchanging Bitcoin via the
         | blockchain (decentralized).
        
         | WJW wrote:
         | > since they lose 100% of the stuff that made BTC attractive in
         | the first place
         | 
         | Not so. They still allow speculation on BTC price volatility
         | and "get rich quick" gambles is what drove most of Bitcoin
         | growth in the past few years. If anything, the big exchanges
         | make Bitcoin even more suitable for speculation than if it was
         | on the blockchain, since you can trade way more if you don't
         | have to wait several blocks for your trade to be confirmed.
        
           | shawnz wrote:
           | Making it easier to speculate should in theory decrease
           | volatility and make market manipulation harder, since having
           | more speculators should mean that the price is driven to its
           | fair value more quickly.
        
             | totalZero wrote:
             | That might make sense if bitcoin were a commodity, but it's
             | not. Speculation helps in markets where there are cross-
             | market arbitrages available -- the stat-arb speculators can
             | front-run the true arbitrageurs and keep markets in line
             | with one another -- but that's not really the case with
             | bitcoin.
        
             | ta988 wrote:
             | That's assuming that 1) there is a fair value for bitcoin
             | 2) the market is able to assess amd direct bitcoon to that
             | fair value (through the actions of its participants). I
             | tend to believe that this economical " theory" is much more
             | a belief/mantra than anything proved scientifically...
        
             | WJW wrote:
             | This gets back to the "gambling vs investing" debate we had
             | on the front page yesterday. What is the fair value of
             | bitcoin? It will never provide dividends or other types of
             | future cashflows, so that aspect of its fair value is zero.
             | The remaining part is purely speculative in that it is
             | based on what other people will pay for it. It is not at
             | all clear to me that having more (relatively uninformed)
             | speculators will lead to less volatility for such an
             | instrument.
        
               | iso1210 wrote:
               | > What is the fair value of bitcoin? It will never
               | provide dividends or other types of future cashflows, so
               | that aspect of its fair value is zero. The remaining part
               | is purely speculative in that it is based on what other
               | people will pay for it.
               | 
               | Do Swiss Franks pay dividends or other types of
               | cashflows? If I have 50,000 CHF in a box in my cupboard,
               | what value is it beyond a small amount of fuel to burn?
               | At some point I will hope someone (perhaps someone in
               | Switzerland) will exchange something I want for those
               | pieces of paper.
               | 
               | On the other hand the Swiss Government could decide to
               | make the money almost worthless, practically overnight
               | (India did this with Rupees), by removing the main
               | purpose of having the notes.
        
               | UncleMeat wrote:
               | And people who hold their wealth in cash are speculating,
               | not investing.
        
               | betterunix2 wrote:
               | Actually the ultimate reason why a note has value is that
               | it can be used to settle tax bills and other debts, so
               | you do not have to "hope" that someone out there will
               | take it -- the government behind the money will take it
               | from anyone who owes taxes, which is almost everyone who
               | lives or does business in the country.
        
               | iso1210 wrote:
               | Except not in the case of India, where the government
               | wiped out the value of 500INR notes practically overnight
        
               | jakear wrote:
               | Hm, so what happens if a country issues some sort of
               | currency in the form of loans/salaries/whatever but does
               | not collect any tax (let's say they sell natural
               | resources to foreign countries and use that money to
               | maintain their printing presses). Would the currency be
               | worth nothing?
        
               | sershe wrote:
               | I am not sure if taxes were used by GP for any particular
               | reason; I think the key is that the governments actually
               | forces other to use the currency for transactions. So, as
               | long as the govt itself doesn't drastically change the
               | rules, people wanting to sell their time now will take
               | currency. There is no such mechanism for Bitcoin; it's
               | really not that different from baseball cards, original
               | paintings or smth like that in terms of being a store of
               | value; based entirely on others' assumed future faith of
               | its value (compared to any random cryptocurrency I can
               | start tomorrow, or a print of the same painting/card).
        
               | betterunix2 wrote:
               | A few things:
               | 
               | 1. You mentioned loans, and I mentioned debts. Debts
               | matter at least as much as taxes as a source of demand
               | for fiat currency, since the government can "reassign"
               | the ownership of property if debts are not repaid and the
               | government will always determine debt payments in terms
               | of its fiat currency.
               | 
               | 2. Suppose the money is only distributed to citizens in
               | the form of salaries. What do they do with it? Why does
               | anyone they do business with -- merchants, landlords,
               | whoever -- want it? One of the reasons why taxes and debt
               | laws work well is that they are _immediately_ relevant to
               | almost everyone in a country (anyone who owns property
               | owes property tax; anyone with a business loan must make
               | their loan payments; etc.).
               | 
               | 3. Suppose a country relies on resource wealth to
               | stimulate demand for its currency. That country will
               | compete in the global market for those resources and the
               | demand for its currency, and thus the value of the
               | currency, will fluctuate according to market forces. The
               | price volatility would be a huge problem for the citizens
               | of the country as they tried to use the currency in their
               | daily lives.
               | 
               | So while in theory, under very particular circumstances,
               | such a thing would be possible, in practice it would
               | probably not last long. Volatility, weird distortions in
               | demand, and other issues would render the currency hard
               | to use and reduce its value in the local market.
        
               | chrischen wrote:
               | Crypto is required to pay extortionists (whether you
               | agree it is right or not is irrelevant).
        
               | mcguire wrote:
               | One hopes that you do not regard 50,000 CHF in a box in
               | your cupboard an _investment_. I 've got about $200 in a
               | drawer in the other room for unexpected events---ones
               | that don't involve any infrastructure at all.
               | 
               | My actual investments are in economically productive
               | assets.
        
               | albntomat0 wrote:
               | > Do Swiss Franks pay dividends or other types of
               | cashflows?
               | 
               | There is consistent demand by the Swiss government, in
               | the form of tax collection.
        
               | dmitriid wrote:
               | > If I have 50,000 CHF in a box in my cupboard, what
               | value is it beyond a small amount of fuel to burn?
               | 
               | You are so close to understanding the true value of
               | bitcoin.
        
               | [deleted]
        
               | andresp wrote:
               | A sub optimal way of producing thermal energy (at least
               | in for the miners)?
        
               | BurningFrog wrote:
               | > _The remaining part is purely speculative in that it is
               | based on what other people will pay for it._
               | 
               | This is of course true, but it's also true for oil,
               | buildings, pork bellies, and any other kind of property.
        
               | tiku wrote:
               | One of the values of bitcoin is the price miners get for
               | it. If they lose money on selling their newly minted
               | bitcoins they won't sell. So it's related to power
               | prices, the difficulty of mining a new coin.
        
               | betterunix2 wrote:
               | That sounds like a restatement of the "labor theory of
               | value" which makes no real sense, as it assumes that
               | "someone" is always willing to buy. Why should anyone be
               | motivated to buy Bitcoin, beyond the classic "great fool
               | theory" trap?
        
               | shawnz wrote:
               | Bitcoin isn't a stock. Most kinds of assets don't provide
               | dividends or other cashflows -- that is certainly not the
               | only determiner of the value of an asset. It would indeed
               | be a bad idea to construct an investment portfolio out of
               | only Bitcoins and no stocks, but that doesn't mean it is
               | without value (for example, as a monetary technology or
               | an inflation hedge)
               | 
               | > It is not at all clear to me that having more
               | (relatively uninformed) speculators will lead to less
               | volatility for such an instrument.
               | 
               | I am not sure how we can judge the informedness of the
               | speculators or what we are comparing them against. But,
               | each additional speculator improves the informedness of
               | the market overall.
        
               | tootie wrote:
               | Commodities are not stocks but they have intrinsic value.
               | The value of oil or chickens is based on demand for their
               | consumption.
        
               | mcguire wrote:
               | Assets similar to bitcoin are somewhat rare on the
               | ground. Art, antiquities, maybe a few other things.
               | (Precious metals are typically useful for other things.)
               | Few people regard those assets as useful investments, in
               | anything other than a diversification sense. _No one_
               | regards them as economically productive.
        
               | shawnz wrote:
               | I completely agree with these statements, except I think
               | the intrinsic value of precious metals is exaggerated and
               | Bitcoin also has functional value as a monetary
               | technology (not generally in an important way for most
               | first-worlders though).
        
               | WJW wrote:
               | > each additional speculator improves the informedness of
               | the market overall
               | 
               | I don't think that can be true. Leaving bitcoin aside for
               | a moment, if a new speculator comes into the stock market
               | who truly believes (perhaps due to misleading marketing)
               | that "stocks only go up". This is clearly not the case
               | from an objective standpoint. How would the entrance of
               | such a speculator improve the informedness of the market
               | as a whole?
        
               | bitdizzy wrote:
               | Garbage in garbage out applies to markets too.
        
         | riffraff wrote:
         | as it's been pointed out by many people in many circumstances,
         | the whole cryptocurrency story so far has been a progressive
         | reinvention of the modern financial system, including many of
         | the intermediary steps.
        
           | rualca wrote:
           | I wouldn't go as far as calling it a reinvention of the
           | modern financial system, but I would call it a reinvention of
           | the Dutch tulip mania[1], with the notable exception that
           | tulips do have some tangible value.
           | 
           | https://en.wikipedia.org/wiki/Tulip_mania
        
             | SamReidHughes wrote:
             | The other _obvious_ exception is that bitcoins don't self-
             | replicate.
        
               | Animats wrote:
               | Tether, though...
        
         | EVa5I7bHFq9mnYK wrote:
         | There must be an entry point. After you bought you BTC, you can
         | withdraw it, and use it to pay for things, store privately etc.
        
           | anonisko wrote:
           | A true cypherpunk would say that everyone should just start
           | earning bitcoin directly to enter.
        
             | EVa5I7bHFq9mnYK wrote:
             | True) I hired developers for Bitcoin directly and through
             | Fiverr - they used to have a Bitcoin payment option.
        
             | codehalo wrote:
             | That is not possible without some kind of bootstrapping
             | mechanism.
        
               | anonisko wrote:
               | I suppose you mean it's not possible without some sense
               | of the value in relation to existing value networks? And
               | this is the bootstrapping that fiat exchanges provide?
        
         | gurtyui wrote:
         | If you want to go to the Amazon jungle, you will still need to
         | pass through a (centralized) airport.
        
         | ravenstine wrote:
         | > transactions don't even go on the blockchain
         | 
         | What are you talking about? When you purchase coins on
         | Coinbase, they go into a wallet that you can easily deposit to
         | through another means or withdraw to another wallet. This is
         | the same with Binance, Kraken, CashApp, and so on. Exceptions
         | would be Paypal or Rob-in-'hood where they have total custody,
         | which has advantages if the user doesn't care about actually
         | owning the coins themselves.
         | 
         | Don't like the centralization of Coinbase? _Then just don 't
         | use it._ There's plenty of other options for purchasing
         | bitcoins. Buying them P2P is easy as hell. Local Coin Swap and
         | Local Bitcoins allow you to buy crypto directly from
         | individuals with an escrow system.
         | 
         | By the way, not everyone is interested in the same advantages
         | of Bitcoin. One of the reasons Bitcoin has been on he rise the
         | last year is that it has far greater potential than a savings
         | account to grow in value and, unlike gold or silver, doesn't
         | take up physical space. Not everyone cares about
         | decentralization or is averse to risk.
        
           | paulryanrogers wrote:
           | > One of the reasons Bitcoin has been on he rise the last
           | year is that it has far greater potential than a savings
           | account to grow in value and, unlike gold or silver, doesn't
           | take up physical space.
           | 
           | Its potential may be offset by its environmental impact and
           | lack of any fundamental value.
        
             | ravenstine wrote:
             | I'm not here to debate that, but my point is that not
             | everyone is obsessed with decentraliztion... they just want
             | their money to grow fast, just as most people don't buy
             | stocks with the primary intention to own a piece of a
             | business; they buy stocks because they want to make money.
        
       | mensetmanusman wrote:
       | " Less than 2% of the anonymous ownership accounts that can be
       | tracked on Bitcoin's blockchain control 95% of the digital asset,
       | according to researcher Flipside Crypto."
       | 
       | It's kind of ironic that BTC pollutes more than any prior
       | monetary invention while simultaneously having higher levels of
       | internal income inequality.
        
         | arcticbull wrote:
         | It's all around the worst one yet.
         | 
         | If your transaction counterparty is within 1250 miles of your
         | house it takes less energy to simply drive there in a Tesla
         | with a brick of gold.
         | 
         | It's also funny because I suspect the overwhelming majority of
         | those accounts simply lost their keys.
        
       | rsp1984 wrote:
       | _"It's a money network," Winklevoss said. "What happens when you
       | put an economic incentive around that network? That's possibly
       | the most effective network in the world."_
       | 
       | How in the world can you call Bitcoin a "money network"? Unless
       | I'm missing something obvious there's no more network effect to
       | it than to any other popular currency or security.
        
         | chrisco255 wrote:
         | You're correct on Bitcoin's network effect being currently less
         | than that of existing popular fiat currencies. The currency
         | market, is of course, the most actively traded market in the
         | world. The FOREX trades over $7 trillion per day, and the
         | market is worth over $2.4 quadrillion.
         | 
         | But yes, Bitcoin has already eclipsed all but a handful of
         | stocks with a market cap clocking in at $800B-$1T, a daily
         | volume of $50B+ and its more liquid than any stock since it
         | trades 24/7 and can be remitted without intermediaries.
        
         | [deleted]
        
       | samstave wrote:
       | Whats the networth of the W brothers (the ones that Zuck stole FB
       | from?)
        
       | b1daly wrote:
       | This article is an example of the pure propaganda that
       | 'mainstream financial media' participates in on-the-regular. Why
       | that is I don't know. Symbiotic business interests I guess.
       | 
       | It's not that the information is incorrect. It probably is and it
       | does tell us something about some of the big players around
       | Coinbase.
       | 
       | But the whole bitcoin 'ecosystem' is essentially a collective
       | criminal organization, with some players being closer to the
       | dirty parts than others. (I'm leaving out everyday holders of
       | bitcoin, just talking about insider types.) These big Coinbase
       | players might not 'touch the poo' directly, but their hands still
       | get stinky.
       | 
       | The price action in bitcoin is determined across a network of
       | exchanges, most of which do not use real dollars (or other govt
       | currency). They use crypto only for trading, including the fake
       | 'stable-coin' tether.
       | 
       | Tether (the company who issues the currency tether) has been
       | shown definitively to be running a scam and are completely
       | dishonest.) They have issued $35Billion worth of their fake
       | dollars. Until recently they were issuing on the order of $1B per
       | week!
       | 
       | Tether is a sister company to the exchange Bitfinex with the same
       | owners and management. So essentially the same company. They just
       | signed an agreement with the New York Attorney General where they
       | paid a fine of $18.5M (notice difference in scale). The agreement
       | spells out _exactly_ how they have been scamming people. This is
       | based on information coming from the company itself. This is not
       | FUD, just FACT. (interestingly since they signed this agreement
       | ~10 days ago, they stopped issuing tether.)
       | 
       | One of the central players in this ongoing criminal operation who
       | has been taken out is Crypto Capital Corp. They ran a shadow
       | banking system for many of the big exchanges, including Bitfinex
       | and Binance. The Feds seized $850M from CCC for money laundering,
       | which precipitated a crisis for these entities and intensified
       | the criminal activity of the many industry insiders connected
       | through this shadow bank.
       | 
       | My guess is that Tether issued $35B in fake USDT (tether) almost
       | exclusively without dollar collateral backing. (the original
       | premise of tether was each would only be issued on receipt of a
       | true USD by tether, and therefor each USDT was pegged to a USD,
       | the peg holds for now but the dollar backing is not there, that's
       | another story.)
       | 
       | Most of this $35B was issued over the last year when we have seen
       | a huge rise in bitcoin price. The tether currency only has _one_
       | purpose, to buy cryptocurrency. So this is a huge amount of
       | liquidity introduced into the market. (Compare to the hype around
       | Tesla 's $1.5B bitcoin purchase.)
       | 
       | It is the price appreciation that drives this whole market,
       | including the business of Coinbase, even though they do not deal
       | with tether.
       | 
       | The OP article mentions _none_ of this! Sure, it reveals some
       | insiders, perhaps on the more legit side, but ignores the real
       | engine of this speculative bubble /fraud.
       | 
       | It has the effect of 'white-washing' this dirty game.
       | 
       | It's really gross.
        
       | [deleted]
        
       | geswit2x wrote:
       | please, can you post something that we don't have to pay in order
       | to read? thanks
        
         | randomNumber7 wrote:
         | Don't know why you are downvoted. I think it's super
         | annoying...
        
         | greenyoda wrote:
         | Please read the HN FAQ:
         | https://news.ycombinator.com/newsfaq.html
         | 
         | > Are paywalls ok?
         | 
         | > It's ok to post stories from sites with paywalls that have
         | workarounds.
         | 
         | > In comments, it's ok to ask how to read an article and to
         | help other users do so. But please don't post complaints about
         | paywalls. Those are off topic.
         | 
         | More details:
         | 
         | https://news.ycombinator.com/item?id=10178989
         | 
         | You can get around Bloomberg's free article limit by clearing
         | their cookies (or using a browser extension like uMatrix that
         | automatically blocks them).
         | 
         | Their articles are also readable if you submit them to an
         | archive site. For example, someone posted this link in another
         | comment: https://archive.is/AqtRg
        
         | kemonocode wrote:
         | I agree, there needs to be a ruling about paywalled articles
         | already. At the very least, tagging them properly (so people
         | may ignore them at their leisure) or also putting an archive
         | link in the comments.
        
       | samstave wrote:
       | Assuming the Winklvoss Twins ONLY kept the initial 11,000 BTC
       | they purchased - Those coins are worth 497MM today.
        
       | aphextron wrote:
       | Say what you will about the technology, but the Bitcoin community
       | attracts the most unsavory, scandalous people imaginable. It
       | truly is a wretched hive of scum and villainy. Everything even
       | tangentially related to it instantly becomes a source of scams,
       | illegal activity, and just general shadiness. It's what has
       | always turned me off of blockchain technology in general. I'm
       | sure these same people exist in the fiat financial world as well,
       | but it just has a lawless, wild west, dog eat dog atmosphere that
       | is so off putting.
        
         | 1996 wrote:
         | > I'm sure these same people exist in the fiat financial world
         | as well, but it just has a lawless, wild west, dog eat dog
         | atmosphere that is so off putting.
         | 
         | Actually, it's far worse in the fiat financial world.
        
       | loceng wrote:
       | So will there be an investigation by the SEC for price
       | manipulation relating to how inconveniently Coinbase was
       | unaccessible multiple times for fairly long periods at different
       | times the price of Bitcoin started to skyrocket?
        
         | gruez wrote:
         | robinhood (among other brokers) goes down all the time during
         | periods of high trading activity. That doesn't mean there's
         | anything malicious going on.
        
         | Triv888 wrote:
         | You can only wish... The same thing happens to stock brokers
         | and they don't get investigated, most of the time.
        
       | mrfinn wrote:
       | Blockchain technology is doomed, and somebody will be,
       | eventually, the last link of the ponzi scheme.
        
         | superbcarrot wrote:
         | I don't get why people's thinking swings to these wild
         | extremes. Why does it have to be either a societal disruptor
         | that changes everything or a doomed ponzi scheme? Can't it be
         | something like "oh we tried to have cool internet money, turned
         | out that it's not that great, some people are still into it I
         | guess".
        
           | xirbeosbwo1234 wrote:
           | Because it is so fantastically monumentally brain-meltingly
           | bad. When a casino uses as much electricity as entire
           | countries, it deserves my hatred rather than just not
           | deserving my love.
        
           | TheButlerian wrote:
           | Because they are dumb nocoiners.
        
           | mrfinn wrote:
           | It becomes a Ponzi scheme the moment you realize that the
           | idea is intrinsically broken, but still you keep shilling it
           | and making grow the value exponentially, (value that somebody
           | has to pay). BTW, flagged, really mods??
        
             | tiku wrote:
             | When does a Ponzi scheme stop being a Ponzi scheme?
        
               | totalZero wrote:
               | This is a really, truly weird way to defend Bitcoin,
               | whose claim to fame is that its only value comes from its
               | uptake. The argument goes, "governments can fiat money,
               | so why can't we?"
               | 
               | There is no unique creation of value anywhere in the
               | Bitcoin life cycle. Any liquidity or anonymity
               | externality that doesn't equally apply to USD is probably
               | accruable only by criminals and traffickers.
               | 
               | The transactions are slow and costly, and there's no
               | guarantee that some governmental research agency hasn't
               | already broken the cryptographic underpinnings.
        
           | africanboy wrote:
           | because there is no such thing as "cool invented money" it is
           | either useful for society or it is a scam.
        
           | thetanil wrote:
           | there are a lot of people in the "not that great" and "still
           | into it I guess" camps. Those just don't make headlines.
           | Also, some morons can only read headlines. Don't worry, the
           | world is not as idiotic as the headline writers and readers.
        
           | jariel wrote:
           | 'into it' for what reason? That's where the Ponzi part comes
           | from.
        
         | ur-whale wrote:
         | And all the tin-foil wearing weirdos who had been hollering
         | about it from their mum's basement will be vindicated.
         | 
         | That will be quite a day!
        
           | mrfinn wrote:
           | Actually some of us are really interested in cryptocurrencies
           | as tool to liberate people from a corrupt system, and we
           | leaved our mum's basement a long time ago.
        
       | Rapzid wrote:
       | Perhaps the idea of "pure decentralization" doesn't exist; only
       | partial realizations of it.
       | 
       | If you look at Bitcoin and Ethereum you find concentrations of
       | power, information, and etc at many levels; centralization. Even
       | at the technical level the solution to controlling change is
       | often to have minority steering groups whose membership
       | necessarily suggests a concentration of power enabling them to
       | exert influence.
        
         | ketamine__ wrote:
         | Taking that a bit further many startups have raised a
         | traditional round before an ICO. Since ICO's are so popular I
         | think one could argue that they don't need to do this. Are they
         | loyal to the VC's or the token holders?
        
       | gnrlst wrote:
       | Remember when BTC used to be fun and exciting? Stupid projects
       | being created, tipping widespread all over the internet. It was
       | created to be a "peer-to-peer electronic cash system" (quoting
       | from the whitepaper title)... oh how far it has strayed.
        
         | kolinko wrote:
         | Regulation killed it - since SEC is watching more closely you
         | either need a legal team, or you need to be very adventurous to
         | build stuff like bitcoin tip bot on reddit :/
        
         | ur-whale wrote:
         | I agree, except for the fact that the exact same things can be
         | said of _anything_ that becomes wildly successful.
        
         | Sargos wrote:
         | >Remember when BTC used to be fun and exciting? Stupid projects
         | being created, tipping widespread all over the internet.
         | 
         | All of this moved over to Ethereum long ago but those outside
         | of the crypto space might not know that. Thousands of hackers
         | have created little neat experiments and projects for others to
         | use and build on and more are released everyday.
         | 
         | Some of my favorites are https://dontbuymeme.com/,
         | https://aavegotchi.com/, and https://quadraticvote.co/. There's
         | too many to list (like the internet itself) but a lot of
         | communities for specialized topics have formed such as art
         | people flocking to NFTs, meme lovers creating self funding and
         | self organized communities, and lots of cool governance tools
         | for voting and organizations like https://daohaus.club/,
         | https://colony.io/, and https://aragon.org/.
         | 
         | It really does feel like the early internet and I can barely
         | keep up with all of the cool stuff being shipped.
        
           | leppr wrote:
           | Right, and it's not just neat little experiments. There
           | already is big money on Ethereum's DeFi: billions lended,
           | transacted between assets, leverage longs/shorts taken.
           | 
           | Add to that experimental unpegged stablecoin projects[1], and
           | you realize the dream of a "P2P electronic cash system" is
           | alive and well. It's just being worked on by different groups
           | than originally (because if you own a big bitcoin stash now,
           | it's hard to resist the temptation of pushing the SoV/ponzi
           | narrative).
           | 
           | [1]: https://debaseonomics.io/, https://reflexer.finance/
        
           | casi wrote:
           | https://mia.bet/ is one i like, a home made site where you
           | bet on a marble run race with the randomness generated by
           | their pet hamster. makes me smile.
           | 
           | i'll also add in https://clr.fund/ as its relevant to the
           | bigger question of "how do we fund open source public goods"
           | that might be relevant to hackernews readers.
        
             | choclatecheese wrote:
             | mia.bet?? omg is this for real? lol real randomness on
             | blockchain generated by a hamster
        
         | ZeroMinx wrote:
         | Most of this also applies after a s/BTC/WWW/
        
         | barbegal wrote:
         | Yes I remember when you could send Bitcoins and your
         | transaction was practically guaranteed to get into the next
         | block. I had fun solving puzzles created using Bitcoin scripts.
         | If you could solve the puzzle you could win some Bitcoins.
         | Transaction fees were so low as to be irrelevant and you could
         | send small tips to anyone you wanted, buy beers, gift it to
         | strangers to try out...
         | 
         | But even then you could see that Bitcoin wouldn't scale. Most
         | people couldn't run full nodes, block sizes were getting bigger
         | and bigger. Bitcoin worked great when you had a few hundred
         | thousand people using it but with 10s of millions it doesn't
         | work well.
        
           | tromp wrote:
           | Running a fully verifying node doesn't require that much
           | space, since you can prune away older blocks once verified
           | (if you're fine with not being able to seed other nodes). It
           | does take a fair amount of time to download so many GB of
           | history.
        
             | CyberDildonics wrote:
             | This is not true in any sense. After 11 years of use, a $10
             | vps can download the entire chain in under an hour and a
             | half. A fast cable modem connection can do it in under
             | three hours.
             | 
             | Call of Duty: Modern Warfare is 231 GB, the bitcoin chain
             | is 381 GB.
             | 
             | Call of Duty + Red Dead Redemption 2 = bitcoin's entire
             | chain.
             | 
             | This is about $6 USD of hard drive space. The throughput of
             | bitcoin is about 1.5 -kilobytes- per second. At that speed
             | reddit.com would take 36 minutes to load.
        
               | tromp wrote:
               | You need to verify the history as well and continually
               | update the UTXO set. That takes a lot more time,
               | especially with a spinning hard disk, since the UTXO
               | updates are not particularly sequential.
        
               | CyberDildonics wrote:
               | First, that isn't what you actually said.
               | 
               | Also no it doesn't. It takes a fraction of a second on a
               | single core for each block. It's 900KB for a full block.
               | The only reason it would take a long time is a particular
               | client using CPUs extremely inefficiently and leaving
               | them idle most of the time.
        
           | vbezhenar wrote:
           | > Most people couldn't run full nodes
           | 
           | Can you elaborate on that? I checked few years ago and it was
           | possible to run full node. What would prevent me from running
           | full node right now?
        
             | barbegal wrote:
             | Maybe I should say didn't rather than couldn't. Everyone
             | can rent a server for a few dollars a month to run a node.
             | Most people home laptops are not suited to running a full
             | node as they either have to be always on or are spending a
             | lot of time validating blocks every time you power them on
             | to catch up.
        
       | ur-whale wrote:
       | https://archive.is/AqtRg
        
       | ExcavateGrandMa wrote:
       | money > bitcoin ... wake up before the bitcoin excavates you :)
        
       | ur-whale wrote:
       | Any article that uses the sentence "mostly men" in the first
       | paragraph is highly likely not worth reading.
        
         | gurtyui wrote:
         | According to Financial Times it's a good thing crypto is mostly
         | men, since it's such an obvious scam:
         | 
         | > _Most women aren't as into crypto as men and that's OK. It's
         | actually good! Cryptocurrencies consume huge amounts of energy,
         | enable criminality, often lack security, and generally just don
         | 't work very well._
         | 
         | > _But let 's not encourage other women to throw their money
         | away on nonsense. And let's not think that just because a lot
         | of men are doing something, we should do be doing it too._
         | 
         | https://www.ft.com/content/77f34d67-b797-3359-a89d-f9447ca40...
        
         | CryptoPunk wrote:
         | I agree. It goes without saying that most of the capital is
         | owned by men. In which industry is that not the case?
         | 
         | The social commentary angle can't justify that line either:
         | Bitcoin is a pseudonynous digital currency, that started
         | trading at $0.10, and required nothing more than having a basic
         | windows machine, and downloading the node software, to hold
         | from the start. Very early on, downloading the standard wallet
         | software was also all it took to mine bitcoin. If mostly men
         | own it, it's because mostly men were interested in the concept
         | early on.
         | 
         | In any case, despite containing that line, this was a good
         | article and worth reading.
        
           | darawk wrote:
           | I think the point is that the article feels a need to highly
           | this, as though it is relevant. Primarily because they are
           | trying to narrativize it in a certain way.
        
         | 55555 wrote:
         | These says, if you write "men" instead of "mostly men", you get
         | attacked my SJWs. My favorite form is when they write "men (and
         | they are almost entirely men)."
         | 
         | But as is becoming clear to many, you cant please everyone all
         | of the time, and, especially these days, there are some people
         | you cant please any of the time.
         | 
         | What phrasing would you prefer? "Humans" or just "men"?
        
           | kolinko wrote:
           | "People". You shouldn't use gender, race, religion or
           | nationality to describe a group of people unless it is
           | somehow important to the story.
           | 
           | Otherwise you end up propagating stereotypes.
        
           | shawnz wrote:
           | I think "people" would be the typical language to use in such
           | a situation.
        
           | dmingod666 wrote:
           | If someone cannot think about a topic without classifying the
           | genitals of the discussed people irrespective of what they
           | are talking about, you'd probably not be wrong to take notice
           | of that.
           | 
           | Not that it matters, but, expecting the whole world to share
           | the same perversion is a bit too much..
        
             | random5634 wrote:
             | What is the fixation on "genitals" here? This comes up
             | surprisingly often in this type of conversation.
             | 
             | "Hey guys, anyone want to get coffee?"
             | 
             | "Sure"
             | 
             | Random SJW: "why are you focused on genitals? What a weird
             | perversion"
             | 
             | Everyone else: "Huh?"
             | 
             | Is this a projection thing? Half the time the lazy pronoun
             | use appears to be the exact opposite of this claim - the
             | writer hasn't stopped to think and classify readers by
             | their genitals.
        
               | dmingod666 wrote:
               | You are repeating my point.. My point was, why do you
               | want to attribute gender to things where it isn't
               | directly relevant..
               | 
               | How does the author know the gender breakdown of a
               | currency where we can't even figure out who the person
               | behind the bitcoin address is...
        
               | viraptor wrote:
               | > How does the author know the gender breakdown of a
               | currency where we can't even figure out who the person
               | behind the bitcoin address is...
               | 
               | A large number of whales holding BTC is known / very
               | public and vocal - as the article itself discusses. You
               | can also do a survey of Bitcoin related conferences. You
               | can look at large datasets like the public list of MtGox
               | debts. At this point you'd need some good supporting data
               | to claim BTC holders and traders are not a male-dominated
               | group.
        
               | dmingod666 wrote:
               | If there is a claim that an anonymous currency is owned
               | in major part by a certain gender the burden of proof
               | lies on the people making a claim..
               | 
               | I don't think anyone can actually prove these numbers..
               | 
               | If I say 70% of cash is held by group 'x'. prove me
               | wrong, you can't. No one is going to be able to do that.
               | 
               | Let me know if you have a link to MtGox sharing gender
               | breakdown of their owners..
        
               | wayneftw wrote:
               | > I don't think anyone can actually prove these numbers..
               | 
               | Nobody is making a court case out of it, except for you.
               | 
               | Everybody else is just using their common perception,
               | that it is indeed mostly men holding bitcoins because
               | it's mostly men talking about it and it's commonly known
               | that mostly men are into computer technology.
               | 
               | Let me know if you can't justify a correlation between
               | those things and I'll help you "read the room" better.
               | 
               | Anyway, the article says that "Coinbase Global Inc." is
               | mostly men, not holders of Bitcoin. Without even looking
               | I can tell you that's most likely 100% accurate.
        
               | dmingod666 wrote:
               | "Men own most bitcoins"
               | 
               | "Mostly men are into computer technology."
               | 
               | Where exactly in the bitcoin purchase or process the
               | gender of a person relevant or disclosed? Why do people
               | try to drag gender into things where it has zero
               | relevance.
               | 
               | I'm not trying to be a lawyer, the point is, that this
               | argument has as much logic as "Aquarians are better
               | swimmers." You can't prove or disprove it.. either way,
               | it's irrelevant..
        
               | wayneftw wrote:
               | If someone said "The remarkably small circle of mostly
               | _hair stylists_ who control bitcoin " would you have
               | responded so many times? No, there's something about
               | gender here that's got you incensed. I'm not trying to
               | sound flippant, but I think there's more to this than
               | genitals and the amount of relevance that genitals or
               | gender has to the story.
               | 
               | First though, I think you're confusing what was said. The
               | starting sentence of the article is:
               | 
               | > Coinbase Global Inc.'s filing to become a publicly-
               | traded company provides a glimpse into the remarkably
               | small circle of mostly men who command the incredibly
               | lucrative digital landscape.
               | 
               | That's not a statement about "men own most bitcoins" it's
               | saying that Coinbase Global is run mostly by men. _This_
               | is easily proven. You can look right here - 5 out of 7 of
               | their executive team are men and 7 out of 9 on their
               | board are also men - https://www.coinbase.com/about
               | 
               | So someone responded about that first sentence saying
               | 'Any article that uses the sentence "mostly men" in the
               | first paragraph is highly likely not worth reading'. You
               | agreed with that sentiment, pointing out why - you think
               | mentioning gender is irrelevant and furthermore it is a
               | "perversion" for someone to do so. (Would it be a
               | perversion if they said "hair stylists"?)
               | 
               | Here's why I think you're wrong on that point though.
               | You're strictly equating "gender" and "genitals" as if
               | they're synonyms. They're not. If you think that's true,
               | try an experiment: Ask random people the first thing that
               | comes to their mind when you say the word "men" or the
               | word "women" to them. I'll bet you money that the vast,
               | vast majority of people will not just say "penises" or
               | "vaginas". They'll say so many other things because those
               | words convey so much more than just genitalia.
               | 
               | In the news they constantly mention the gender of people,
               | especially if the group of people they're discussing are
               | all or even mostly one gender. That's because it helps
               | listeners picture what's happening in their mind.
               | Moreover, reversed gender roles are absolutely
               | interesting to people. For instance - most criminals are
               | men [0], so if a group of women robbed a bank you can
               | rest assured that the news would absolutely say "A group
               | of women robbed a bank" and also that it would be so
               | interesting to people that they'd make a movie about it.
               | Even if men robbed the bank, they would say "a group of
               | men" because if they said "a group of people robbed a
               | bank" people would want to know - so if it's a mixed
               | group the news will say "two men and a woman robbed a
               | bank today."
               | 
               | Why are most men criminals though? It's probably because
               | men are just generally more aggressive than women. That
               | fact is just one of the many that will occur to people
               | when they hear about a group of people doing something.
               | Genitalia is the furthest thing from their mind.
               | 
               | In the end, I don't know exactly why Matthew Leising, the
               | author of this article, even mentioned that it's mostly
               | men that run Coinbase Global. I know for a fact that most
               | people would not be bothered at all by this tidbit of
               | information being mentioned though. I'm not. I don't even
               | care about bitcoin and I'm not even sure why I bothered
               | to read these comments. One thing I am concerned about
               | though is how people are squaring up to fight over these
               | types of things. Why do you have such a strong reaction
               | to someone mentioning the possible/probable gender ratio
               | of a group of people? Perhaps the subject of societies
               | treatment and recognition of gender in general is
               | something close to your heart? I don't know - but I don't
               | want the world fighting over this too so I'd like to help
               | if I can.
               | 
               | [0] https://www.google.com/search?q=gender+percentage+of+
               | crimina...
        
               | random5634 wrote:
               | "Hey guys, want to get coffee" - is a historically common
               | (and yes, now bad way) of asking if a group of folks, of
               | any gender, want to get coffee.
               | 
               | The insistence that someone is focusing on genital's and
               | have a pervasion when asking this really does seem like a
               | projection on the part of the folks making that claim,
               | and I have noticed the genitals things come up over and
               | over now in this context - it seriously is WEIRD! Please
               | read up on projection.
               | 
               | Many of us are married, with kids, and focusing on the
               | genitals of work colleagues is the LAST thing on our
               | minds.
               | 
               | I've broadened it in the past, hey guys and girls or hey
               | guys and women - all less than ideal in my view, girls
               | doesn't have same connotations as guys, and women or
               | ladies feels awkward. Hey people works well in my view.
               | But when a women says to me, hey guys, want to get coffee
               | - I don't freak out on them with this type of focus on
               | genitals / perversion language. I just say, sounds great
               | - 5 minutes? And away we go very happily to chat about
               | whatever issue has come up.
        
               | moistly wrote:
               | Are you telling us that you've never heard a woman say to
               | her group of female friends "Hey guys, wanna xyz?"
               | 
               | It's 2021. "Guys" has been gender neutral since basically
               | forever and a day. It was so in my schools in the
               | 70s/80s, and by my mother's recollection, the same back
               | in her school days.
               | 
               | And it pretty much has to be so: we lack a good
               | alternative second person plural.
               | 
               | Note though that "guy" (singular) is gendered.
        
               | gfody wrote:
               | btw "gaz" is a perfectly harmless way to address a mixed
               | crowd - the men hear "guys" and the women hear "gals" and
               | not even the worst griefer would pick on a speech
               | impediment
        
               | 177tcca wrote:
               | Texans had "y'all" right the entire time.
        
               | random5634 wrote:
               | Haha. Doesn't work where I am as southern accents are
               | seen as racist in a way - and also I'm not southern so
               | would be weird on that level - but I like it if you were
               | in the south!
        
         | rokhayakebe wrote:
         | "This type of cancer affects mostly men."
         | 
         | "Women make the majority of the school's Computer Science
         | enrollment which used to be mostly men."
        
           | howdydoo wrote:
           | That must mean cancer is sexist. No wonder people hate it so
           | much.
        
             | iamacyborg wrote:
             | Yeah, testicular cancer is real sexist
        
         | jariel wrote:
         | It's factual, noteworthy and reasonable in the context.
        
           | ALittleLight wrote:
           | Why? Would you feel differently about coinbase if it's
           | leadership were evenly divided between men and women, or
           | largely women?
        
             | jariel wrote:
             | No. Your attempt to project hyperbole into what I 'feel' is
             | not rhetoric.
             | 
             | If it's a small group of heretofore unknown people with a
             | major stake in a new, exotic and opaque, 1 Trillion dollar
             | asset pool, then describing them as 'all men' is perfectly
             | reasonable if they are. Just as if they were all American.
             | It's relevant because they are obvious characteristics of
             | the group and not a random outcome.
             | 
             | If there was some women in the group then it wouldn't have
             | been notable.
             | 
             | This is not SJW journalism it's just journalism.
        
               | imbnwa wrote:
               | Oh how the turn tables
        
               | ALittleLight wrote:
               | It seems to me that if a fact is informative then the
               | opposite of that fact would be too. For example, the
               | article says that verified users jumped 34%. That fact
               | tells us coinbase is growing and at what pace. If the
               | opposite were true, and users were declining, that would
               | tell us coinbase and maybe bitcoin were in trouble.
               | 
               | I don't see what the most common gender among the
               | leadership team tells us. What does it matter if they are
               | mostly, partly, or entirely men or women? This article is
               | written in Bloomberg, the four founders of Bloomberg plus
               | their chairmen are all men[1] - does that matter? If I
               | were to put on my "just journalism" hat, maybe I'd think
               | it says something when organizations led entirely by men
               | criticize organizations partly led by women for their
               | social justice bona fides... Or, maybe I'd think that
               | most executives are men, most people in tech are men,
               | most people in crypto are men, so it's really not that
               | surprising or informative that most of coinbase's
               | leadership are men. Or, maybe it does matter for some
               | reason, but the journalist should explain that reason
               | rather than just drop the fact and imply it means
               | something without explanation.
               | 
               | 1 - https://en.m.wikipedia.org/wiki/Bloomberg_L.P.
        
       | ALittleLight wrote:
       | "Mafia" seems a strange and prejudicial word to use here.
       | 
       | "Less than 2% of the anonymous ownership accounts that can be
       | tracked on Bitcoin's blockchain control 95% of the digital asset"
       | - at first I thought this was really astonishing. Now, I'm not so
       | sure. My first interpretation was that 2% of bitcoiners have 95%
       | of the bitcoin - but now I wonder how many addresses a typical
       | person has. e.g. If I create an address every time someone buys
       | illegal drugs from me over the 5 years I sell them on the
       | darknet, and later coalesce all my earnings into some address,
       | does that mean that my X empty addresses are counted in the 98%
       | of have-nots and my one coalesced address in the 2% of haves?
       | 
       | Depending on how many addresses people typically use, and given
       | the multi-year history of bitcoin, it actually seems somewhere
       | between not surprising and incomprehensible to me. Like, I guess
       | that's a percentage it could be, but I don't know how to
       | interpret it. I think a better news article would provide context
       | on stats like this so the reader could understand rather than
       | just leaving the reader to figure out the meaning for themselves.
        
         | Izkata wrote:
         | > My first interpretation was that 2% of bitcoiners have 95% of
         | the bitcoin
         | 
         | Consider how much was probably lost in the early days, from
         | dead hard drives and such. For one specific example, bitcoin
         | creator Satoshi Nakamoto appears to have ~1 million bitcoin
         | sitting untouched [0] - that alone seems to be ~5% of all
         | existing bitcoin [1] owned by one person, with an estimated
         | 11-16% more just "lost" [also 1].
         | 
         | [0] https://decrypt.co/34810/how-many-bitcoin-does-its-
         | inventor-...
         | 
         | [1] https://www.buybitcoinworldwide.com/how-many-bitcoins-are-
         | th...
        
           | agumonkey wrote:
           | A recent example of lost recovery https://old.reddit.com/r/Bi
           | tcoin/comments/lto0rt/found_an_ol...
        
         | xirbeosbwo1234 wrote:
         | I supposedly own about 900 Bitcoins. I was given them for free
         | all the way back in 2010 and promptly deleted the "wallet" once
         | I realized the technology was unworkable.
         | 
         | A naive analysis would completely miss that.
        
         | cnKLP wrote:
         | It is a common colloquial use of the word in many languages.
         | Cambridge dictionary:
         | 
         | "a close group of people who are involved in similar activities
         | and who help and protect each other, sometimes to the
         | disadvantage of others"
        
         | leto_ii wrote:
         | I'm not sure about this, but does every person using an
         | exchange get their own address?
         | 
         | My impression was that they don't and that a lot of
         | transactions are actually settled within the exchange using
         | good ol' relational databases and not the blockchain.
         | 
         | If that's the case, then all of these people will get lumped
         | into just a few exchange controlled adresses, which will give
         | an exaggerated impression of concentration.
        
           | KirillPanov wrote:
           | > I'm not sure about this, but does every person using an
           | exchange get their own address?
           | 
           | Definitely not. Exchanges that aren't stupid keep the vast
           | majority of their funds in cold storage, which is held in a
           | small number of addresses.
           | 
           | Most people store their bitcoin on exchanges, even though
           | that's a pretty bad idea. Not your keys not your coins.
           | 
           | The article is massively misleading. It should say "95% of
           | bitcoin is controlled by a small number of entities, most of
           | which are exchanges". That's still not good, but at least
           | it's not deceptive.
        
             | aasasd wrote:
             | > _Exchanges that aren 't stupid keep the vast majority of
             | their funds in cold storage_
             | 
             | That sounds dumb on their part, as that money isn't doing
             | work that it could. Perhaps they should invest it in the
             | meanwhile. But since it's users' money, maybe set up a
             | provision that only a part of the funds is invested, and
             | the rest stay put, to give them back to the users on
             | demand. Most people don't regularly take out all their
             | coins at once, so the exchange won't need to have them all
             | on hand, most of the time.
        
             | leto_ii wrote:
             | > The article is massively misleading. It should say "95%
             | of bitcoin is controlled by a small number of entities,
             | most of which are exchanges".
             | 
             | Yeah, that's exactly what I felt as well. Thanks for
             | clarifying.
        
         | dukodk wrote:
         | I think it's mostly from using temporary accounts to hide
         | transactions. When you can "open" an account digitally without
         | limits, this seems like the inevitable. They should look at
         | actively traded accounts. Fast search shows ~1M active out of
         | 460M total.
        
         | _Microft wrote:
         | They might be alluding to the "Paypal Mafia".
         | 
         | https://en.wikipedia.org/wiki/PayPal_Mafia
        
       | bombadilo wrote:
       | I've been reading hacker news for years and I can't recall any
       | piece of technology that seems to attract such vitriol and
       | disdain from the community here.
       | 
       | Certain bitcoin criticisms are understandable, but painting the
       | block chain and the whole crypto industry with a broad brush of
       | 'scam', 'shady', 'useless' is just down right moronic and
       | embarrassing.
       | 
       | Many of you claim to be technologists that leverage the power of
       | technology to benefit humanity. Yet you can't plainly see how
       | various projects in the space like ethereum, nano, chain link,
       | cardano etc. have useful applications that will change the
       | landscape of finance and economics forever.
       | 
       | Painfully cynical bunch you lot are.
        
       | kemonocode wrote:
       | I won't say much about the article as it's a topic that has been
       | discussed plenty of times before (The merits and faults of
       | Bitcoin) with often inflammatory results, but I will definitively
       | say it's pretty easy and rather intellectually dishonest to
       | attack it only whenever there's a dramatic price swing. Where
       | were all these articles during all those price lull periods?
       | 
       | Also, if we're pointing fingers, the influence Coinbase has on
       | Bitcoin is insignificant compared to the Chinese mining
       | conglomerates. The US is not the rest of the world.
        
         | Grim-444 wrote:
         | What price lulls?
         | 
         | Before 2017 the price of Bitcoin was stable as it wasn't worth
         | anything.
         | 
         | From 2017 to 2021 the price of bitcoin has changed every year
         | by: 1,300%, 71%, 75%, 328%
         | 
         | Compared to the DJIA, which over the same years changed every
         | year by: 25%, 8%, 21%, 11%
         | 
         | In the last four years, two of those years have had price
         | changes in the hundreds of percent, and the other two years the
         | change was still 300% the greatest change in the DJIA across
         | any of those four years.
        
           | Judgmentality wrote:
           | > Before 2017 the price of Bitcoin was stable as it wasn't
           | worth anything.
           | 
           | You live in an alternate reality.
        
             | anonisko wrote:
             | Yeah, this is a wildly ignorant take.
             | 
             | Pre 2017 was crazy volatile and unstable. It's still crazy,
             | especially compared to regulated, national markets, but it
             | does seem to be gradually smoothing out from the wildness
             | of it's youth.
             | https://www.buybitcoinworldwide.com/volatility-index/
        
         | arcticbull wrote:
         | Some of us have maintained a strong anti-Bitcoin position at
         | all times.
         | 
         | [edit] David Gerard comes to mind - author of Attack of the 50
         | Foot Blockchain and Libra Shrugged - and HN user (dgerard I
         | think) (https://davidgerard.co.uk/)
         | 
         | More recently Amy Castor, also an HN user (amycastor)
         | (https://amycastor.com/)
         | 
         | And of course Bitfinex'd is back and public again on Twitter.
         | (https://twitter.com/Bitfinexed)
        
           | bombcar wrote:
           | /r/buttcoin has memes but it also has some pretty serious
           | discussions
        
             | arcticbull wrote:
             | One thing I really appreciate about them is unlike
             | literally every other crypto sub, they're not an echo
             | chamber. Nobody as far as I can tell is ever banned for
             | being pro-crypto, or posting pro-crypto content. If they're
             | hard-core shills or brigading they get downvoted or get
             | slapped with a playful flair ("warning, I have the brain
             | worms" is my favorite haha).
             | 
             | As such it gets a lot of pro-crypto folks participating to
             | get a different perspective. It's not high brow HN level
             | discourse but to your point a lot of serious stuff ends up
             | there.
             | 
             | Considering the topic it's pretty balanced.
        
         | kodah wrote:
         | > Where were all these articles during all those price lull
         | periods?
         | 
         | People are motivated to talk and report based on a myriad of
         | things, but lately this perception of "power" has been center
         | stage. If you ask these people I imagine they would tell you
         | that when Bitcoin hits a high it makes those people, and
         | Bitcoin, very powerful while when it's $8 they're just nobodies
         | wasting time in a dark room and coming up with memes like HODL.
        
       | glitchc wrote:
       | Fiat money works because government has a strong say in its
       | creation and valuation, and govt. is elected by the people.
       | Lobbying and other private interests aside, by and large, the
       | system is still beholden to the opinions of the citizenry.
       | 
       | Decentralized finance, while originally designed to give more
       | power directly to the people (Nakamoto's "one CPU one vote"), is
       | now clearly shown to be beholden to an oligopoly of private
       | interests. It's important to point out the reality behind the
       | fallacious narrative of "the people are in control," so that
       | people wake up and realize that DeFi without govt. intervention
       | is a bad thing.
       | 
       | An individual has zero say in Bitcoin prices. At least with fiat
       | currency, if they don't like what's happening, they can change
       | the govt. to one that is more aligned with their collective
       | fiscal view.
        
         | Empact wrote:
         | That's strange because I see it essentially in reverse of that:
         | 
         | To change the Bitcoin price, vote with your dollars, going long
         | or shorting. You will materially impact the order book and
         | resulting price. Other ways exist: starting a company like the
         | ones mentioned in the article.
         | 
         | In contrast, in federal elections you have a vanishingly small
         | chance of casting a deciding vote between two participants in
         | an actual oligopoly (more specifically, a duopoly), who are
         | themselves primarily allied with powerful interests which
         | include the banking sector. Does anyone really believe their
         | reps are responsive to them on issues like monetary policy?
        
         | [deleted]
        
         | Bakary wrote:
         | This is the problem with anarchy. People forget how states
         | formed in the first place...
        
         | jaspax wrote:
         | The notion that citizens have a say over their country's fiscal
         | policy seems pretty unsupportable to me. In the US, the Federal
         | Reserve is specifically designed to _avoid_ political pressure,
         | and the European banking institutions are even more insulated
         | from the consequences of elections. Your vote 's impact on
         | currency policy is very small, indirect, and highly delayed in
         | time, so much so that it is for all practical purposes equal to
         | zero.
        
           | glitchc wrote:
           | Pretty unsupportable? Complete and utter nonsense. The Fed
           | just handed out cheques to all Americans because Congress
           | asked it to. It was unprecedented in US history, and the
           | strongest indication that the system still works for the
           | average person. Under what circumstances would that be
           | possible with Bitcoin? Do the big whales in crypto care that
           | you've lost your job? Congress does because it's their job to
           | care. That's how government works. It's not perfect but it's
           | far better than the alternative people seem to be proposing.
           | 
           | Anarchy only works for the person on top, and they know it,
           | that's why in every real anarchy, the ones on top spend most
           | of their resources trying to stay on top. For everyone else,
           | it's a universally miserable experience.
        
             | grugagag wrote:
             | I want to believe you but keep in mind that at the same
             | time the government also propped up the private sector
             | (special interests) and it did spend way more than on the
             | citizenry. Industries that were too big to fail were bailed
             | out while a big chunk of the population were left unable to
             | support themselves and I'm sorry but a check or two of a
             | few thousands is not gonna do a damn thing for them when
             | they are forced to foreclose their mortgages.
        
               | ketamine__ wrote:
               | Big industry means lots of jobs. They were right to bail
               | them out. Are we supposed to let the car industry die on
               | principle if it causes a massive amount of destruction?
               | China wouldn't let it happen.
        
             | dragonwriter wrote:
             | > The Fed just handed out cheques to all Americans because
             | Congress asked it to.
             | 
             | Uh, no, the Fed didn't.
             | 
             | The US Treasury did because Congress directed (not asked)
             | it to. Congress can make non-binding requests, but neither
             | round of stimulus checks was a product of such a nonbinding
             | request, and neither was executed by the Fed.
             | 
             | > It was unprecedented in US history
             | 
             | The size was bigger, but broad individual stimulus checks
             | based on past tax filings are not unprecedented in US
             | history. They were done in 2001, for instance.
             | 
             | > Under what circumstances would that be possible with
             | Bitcoin?
             | 
             | Fiscal stimulus would be just as possible with a Bitcoin
             | monetary system as a fiat one; the difference is that the
             | divide between fiscal and monetary policy, which MMT
             | correctly points out is artificial in a fiat system, would
             | be a hard divide in a Bitcoin system, which would mean that
             | joke in fiat where securing financing such as by selling
             | debt is not strictly require for deficit spending in a fiat
             | system, though traditionally done because of the strength
             | of the belief in the fiscal metaphor, in a Bitcoin system
             | there would be hard constraints which would require
             | financing of deficit spending. This would probably drive up
             | the cost of borrowing, since while lenders don't want
             | borrowers to monetize debt, the fact that they ultimately
             | can reduces default risk since it is impossible for a
             | debtor whose debts are denominated in its own fiat to be
             | forced to default through insolvency.
        
       | ffggvv wrote:
       | am i the only one that gets a warm euphoric feeling going on the
       | crypto subreddits on days like these and drinking their salty
       | tears as it crashes to hell?
        
         | wtf_is_up wrote:
         | >crashes to hell
         | 
         | Zoom out.
        
           | mamon wrote:
           | "Past performance is not indicative of future results"
           | 
           | EDIT: it might be a lawyerspeak, but it is still a good
           | advice: there's a reason why Bitcoin has been down $14k this
           | week and that reason is the settlement with NYAG in the
           | Tether lawsuit. Situation has changed, there's one fewer scam
           | company there to artificially inflate Bitcoin price, so
           | expect downward trend for at least the next few months.
        
             | ravenstine wrote:
             | That phrase is lawyer-speak that only exists for the sake
             | of mitigating liability. Of course every conceivable thing
             | has a non-zero risk.
        
             | wtf_is_up wrote:
             | I fail to see the relevance of the cliche you've posted
             | here. BTC has 'crashed to hell' all the way down to where
             | it was 07 Feb 2021 after doubling a few times and the
             | parent post is spitefully spiking the football by 'drinking
             | salty tears'. Has nothing to do with predicting the future.
        
         | sah55 wrote:
         | Yes I think you might be the only one (btw +380% since 2020)
        
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