[HN Gopher] Bitconnect founder indicted in global $2.4B cryptocu...
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       Bitconnect founder indicted in global $2.4B cryptocurrency scheme
        
       Author : latexr
       Score  : 314 points
       Date   : 2022-02-26 13:28 UTC (9 hours ago)
        
 (HTM) web link (www.justice.gov)
 (TXT) w3m dump (www.justice.gov)
        
       | debarshri wrote:
       | I always used to think the founder was the guy from the famous
       | YouTube meme. Never in my wild imagination would have though it
       | would be a guy from pretty much rural india. World is more
       | connected than I think I guess.
        
       | baobabKoodaa wrote:
       | Crucial detail buried in the article:
       | 
       | > Kumbhani is at large
        
         | [deleted]
        
       | deutschewelle wrote:
       | > Kumbhani is charged with conspiracy to commit wire fraud, wire
       | fraud, conspiracy to commit commodity price manipulation,
       | operation of an unlicensed money transmitting business, and
       | conspiracy to commit international money laundering. If convicted
       | of all counts, he faces a maximum total penalty of 70 years in
       | prison.
       | 
       | Liberty Reserve operator Arthur Budovsky is serving his 20 year
       | prison sentence, Kumbhani will likely serve 40+ years.
       | 
       | Liberty Reserve wasn't even incorporated in US or did a lot of
       | business after getting booted but that didn't stop it from being
       | used as money laundering.
       | 
       | Tether isn't very much different, LR/E-gold both tried various
       | forms of insulation (LR not providing fiat on-ramp/off-ramp but
       | through "verified" 3rd party).
       | 
       | In the end, the trail of money and _cui bono_ ultimately indicted
       | Arthur for facilitating money laundering and subverting US
       | banking system. It 's very likely that DOJ and other three letter
       | agencies are utilizing Tether/Bitcoin/Monero as a honeypot to
       | gather intelligence on the parties.
       | 
       | Imagine the wealth of information they are sitting on after
       | capturing the hard drives of darknet marketplaces like Alphabay
       | which were allegedly used to trace a former YC alumni's stolen
       | Bitcoins.
       | 
       | Tether is a well known cable for moving money out of China and
       | into real estate markets in the West, it's ironic that so many do
       | not see the complete geopolitical ramifications: housing
       | affordability has been hijacked to facilitate money exfiltration
       | in authoritarian countries by the elites in the West, to make
       | cheap goods.
       | 
       | In the West, lower and middle class unwittingly traded affordable
       | housing for affordable consumer goods produced by authoritarian
       | labor control and the beneficiaries of this were able to move
       | their wealth out of reach from the same authoritarian government.
       | Now that the musical chairs is ending, the same demographic in
       | the West are being encouraged to become unwitting exit liquidity
       | for the upper class. I predict this would have destabilizing
       | effect on societies all over the world, especially countries that
       | are over-leveraged and buying crypto on margin.
        
       | adam0c wrote:
       | ironic how just a few stories down is an article about how approx
       | 50% of steam payments with bitcoin (when they accepted it) were
       | fraudulent... everyone wanting a quick buck without doing the
       | work
        
       | ganzuul wrote:
       | So now their stuff is actually valued $2.4B and it's no longer
       | monopoly money?
        
         | anm89 wrote:
         | They got people to trade good money ($2.4B) for monopoly money
         | and then ran off with the real money.
        
           | GrumpyNl wrote:
           | Classic scheme.
        
         | bogwog wrote:
         | > BitConnect operated as a Ponzi scheme by paying earlier
         | BitConnect investors with money from later investors. In total,
         | Kumbhani and his co-conspirators obtained approximately $2.4
         | billion from investors
         | 
         | That $2.4B is real money they stole from people. The monopoly
         | money would start at the first penny after that number.
        
       | [deleted]
        
       | cinntaile wrote:
       | Nice job. Now if only some people would see the difference
       | between an actual ponzi scheme like this one and bitcoin and
       | other cryptocurrencies. That would be nice.
        
         | DonHopkins wrote:
         | The fact that cryptocurrencies are even Ponzier than any Ponzi
         | scheme, more pyramidal than any pyramid scheme, much getter,
         | richer, and quicker than any get-rich-quick scheme, and more
         | shaggily carpeted and vigorously jerked than any rug-pull
         | scheme, doesn't mean they're not scams.
         | 
         | Edit: when shills gets called on purposefully missing the point
         | by arguing over semantics, they switch to outright denial and
         | making stuff up. Actually, ethereum and bitcoin ARE both scams,
         | in fact the biggest ones of them all. And that IS the point.
        
           | cinntaile wrote:
           | > Edit: when shills gets called on purposefully missing the
           | point by arguing over semantics, they switch to outright
           | denial and making stuff up. Actually, ethereum and bitcoin
           | ARE both scams, in fact the biggest ones of them all. And
           | that IS the point.
           | 
           | I think I replied in a respectful way to your original
           | comment that was essentially just poisoning the well. I also
           | feel it's a bit dishonest to reply to my comment by editing
           | your post. You are now deliberately trying to discredit what
           | I say by calling me a shill, this is not how we can have a
           | curious discussion.
           | 
           | What is it that I am outright denying and making up?
           | 
           | Just claiming something is a scam doesn't make it so, you
           | have to provide some sort of arguments to support your
           | thesis.
        
           | cinntaile wrote:
           | There are definitely cryptocurrencies out there that are
           | scams, but big ones like ethereum and bitcoin for example are
           | not. This is besides the point though.
        
             | mdoms wrote:
             | Bitcoin and Ethereum are scams.
        
               | everfree wrote:
               | Why?
        
           | lawn wrote:
           | > The fact that cryptocurrencies are even Ponzier than any
           | Ponzi scheme
           | 
           | What does that even mean?
           | 
           | Especially since most cryptocurrencies factually doesn't fit
           | the definition of a Ponzi scheme.
        
         | gjvc wrote:
         | The common characteristic is that "early adopters" get
         | disproportionately large returns compared to later adopters.
         | Indeed those later adopters are financing the exit of the
         | participants who "got in first". In this way it's like a Ponzi
         | scheme, but the same could be said for stocks.
         | 
         | You might call the above a simplification; that is fine -- my
         | point is that this is a (inaccurate) linguistic shorthand --
         | calling something by the name of something else which shares a
         | characteristic, but it is inaccurate (a Ponzi scheme has a
         | central organizer / hub), and bitcoin does not.
        
           | adam_arthur wrote:
           | Stocks pay dividends, or have the potential to pay dividends
           | in the future.
           | 
           | You're right that if you look strictly at the now, it
           | resembles a Ponzi scheme, but there's an underlying intrinsic
           | value that supports a given price. If there's not intrinsic
           | value, price usually collapses in the longer run. E.g dotcom,
           | many of the 200x price sales companies over the last year.
           | 
           | Many growth stocks with valuations far detached from
           | fundamentals are very crypto like. Trading on
           | likeability/goodwill rather than anything real.
           | 
           | The lack of intrinsic value is why Crypto is probably doomed
           | to volatility forever.
        
           | bnralt wrote:
           | It's like a stock market for companies that don't exist.
        
           | Hallucinaut wrote:
           | It's grossly untrue to say it's a Ponzi scheme "like stocks"
           | which are part ownership in companies that actually sell
           | things in the real world and are valued by the present value
           | of their future expected cash flows, rather than
           | cryptocurrencies which have no such relationship to the real
           | world, and some would argue are valued entirely on the
           | premise of returns that can only be sustained by finding the
           | next sucker.
        
             | gjvc wrote:
             | I think we are in violent agreement. Two things can share a
             | characteristic and yet be completely different, but people
             | focus on the similarity (which is easily understood and
             | explainable) and ignore the differences (which can be more
             | difficult to understand and explain).
        
             | datadata wrote:
             | There are stocks which are fraudulent, e.g Theranos, Enron,
             | or ZZZZ Best. The fact that a company might have expected
             | cash flows does not make them impervious to defrauding
             | investors. Similarly, something issued without any claims
             | of future cash flows does not imply that it must be a
             | fraud.
        
             | throw_nbvc1234 wrote:
             | Blockchains (like eth and its alternatives) sell blocks
             | (compute with a ledger). Those blocks "have value" to the
             | people who build things on them like NFT's, defi, ponzi
             | schemes, etc... One can argue that those applications don't
             | have value, are scams, are unethical but people are paying
             | a lot of money for those blocks on a daily basis; and
             | holders of those L1 tokens benefit from that value. If you
             | think of eth as a niche cloud provider providing compute
             | with a ledger, then it looks like a stock who's long-term
             | value will depend on useful and legal it's niche becomes
             | after people (do or don't) come up with products and
             | regulation is implemented.
             | 
             | > cryptocurrencies which have no such relationship to the
             | real world
             | 
             | This is a key point unless the concept of the metaverse
             | takes off; you're starting to see this change though. Look
             | at the Coachella NFT as an example. People will pay to have
             | guaranteed weekend 1 tickets for multiple years; there are
             | years where this is basically sold out before public ticket
             | sales but there's a status element to be able to go W1.
             | These people (like young adults) will probably go for a few
             | years, get bored (or have a change in
             | lifestyle/priorities), then probably resell those NFT's to
             | someone who's a few years earlier in their lives and wants
             | guaranteed W1. This sounds like a ponzi scheme by the
             | description many commenters here are using; the only value
             | is getting some sucker down the road to waste their money
             | for a guaranteed W1 ticket. There's a non-zero chance that
             | coachella doesn't even exist 5 years from now. There's a
             | bigger chance that it's not as popular and the value of any
             | NFT is worth less then it is today. Yet it doesn't feel as
             | scammy because of the real world event that's involved.
        
               | CPLX wrote:
               | But the product being sold in this example is a season
               | ticket, not an NFT.
               | 
               | The NFT part of the product has no relevance to why it's
               | valuable. The valuable part is the promise by the event
               | organizer to save a spot for you.
               | 
               | Every major sports team has had this product for decades.
               | It's literally the same thing as having season tickets to
               | the White Sox or something. The blockchain has added no
               | value to the transaction.
        
               | leeoniya wrote:
               | > The blockchain has added no value to the transaction.
               | 
               | it does make it impossible to make and sell fakes?
        
             | everfree wrote:
             | Some stocks have no expected cash flows, some
             | cryptocurrencies have expected cash flows. You can't
             | generalize entire asset classes like that.
        
           | ls15 wrote:
           | If we compare crypto to stocks, then Bitcoin is Apple and
           | Bitconnect is Theranos.
        
         | NeutralForest wrote:
         | If it looks like a duck and quacks like a duck... Even without
         | the Ponzi scheme and market manipulation; Proof-of-Work based
         | cryptocurrencies are an ecological catastrophe. Other Proof-of-
         | Something(tm) currencies do not bring much to the table either.
         | 
         | At some point it's only normal there's a push back against
         | cryptocurrencies.
        
           | samarama wrote:
           | That's why the vast majority of L1s are not proof of work.
        
             | NeutralForest wrote:
             | Yet Bitcoin is still considered the OG token and a "true"
             | cryptocurrency as mentioned above and not old dangerous
             | tech.
             | 
             | Also in the last 10 years, only a handful of tokens have
             | had a somewhat usable blockchain which grinds to a halt
             | anytime people share pictures of cats or monkeys and we're
             | told to wait for another year or two for an update to
             | whatever protocol is trendy at the moment. Rinse and repeat
             | every year. Also also, every other year a cryptocurrency
             | comes along and professes to be the second coming of God
             | with solutions to problems with don't have.
             | 
             | So no, not interested.
        
               | everfree wrote:
               | > Yet Bitcoin is still considered the OG token and a
               | "true" cryptocurrency as mentioned above and not old
               | dangerous tech.
               | 
               | The solution to that is to educate people on how Bitcoin
               | is old dangerous tech, not to throw out all other
               | blockchains along with Bitcoin.
               | 
               | > a somewhat usable blockchain which grinds to a halt
               | anytime people share pictures of cats or monkeys
               | 
               | These chains don't "grind to a halt" in any sense of that
               | phrase, they dynamically price a scarce resource (block
               | space). The chain runs at 100% capacity during these
               | spikes in demand.
               | 
               | > we're told to wait for another year or two for an
               | update to whatever protocol is trendy at the moment.
               | Rinse and repeat every year.
               | 
               | Every few years, cryptocurrencies upgrade their capacity
               | using new technology, and every few years, enough new
               | people start using them to saturate the new, higher
               | capacity. There's nothing contradictory about that.
               | 
               | > Also also, every other year a cryptocurrency comes
               | along and professes to be the second coming of God with
               | solutions to problems with don't have.
               | 
               | Every other year a traditional tech company also comes
               | along and professes to be the second coming of God with
               | solutions to problems we don't have. But we don't judge
               | Apple based on the failure of Juicero.
               | 
               | https://en.wikipedia.org/wiki/Sturgeon%27s_law
               | 
               | > So no, not interested.
               | 
               | You have a right to not be interested, but you're
               | choosing to share your take, and your take is incorrect.
        
         | louwrentius wrote:
         | There isn't any difference.
        
           | TheFreim wrote:
           | I'm very sympathetic with many of the "anti"-crypto arguments
           | but to say there is no difference between BitConnect and
           | Bitcoin/Ethereum is just wrong. You might believe their value
           | is based on a similar concept, pyramid scheme type construct,
           | but they still have massive differences. Bitcoin/Ethereum/etc
           | actually do /something/ (even if you ultimately come to the
           | conclusion that that something is bad).
        
             | astoor wrote:
             | Plausible deniability is one of ways the cryptocurrency
             | schemes have continued for so long without collapsing -
             | members can convince themselves that Bitcoin/Ethereum/etc.
             | aren't ponzi/pyramid schemes because they "do something".
             | Furthermore, that "something" can keep changing over time
             | (e.g. for Ethereum it was first ICOs and DApps, currently
             | it is NFTs and DeFi, and in future likely to be something
             | else), which keeps the schemes self-sustaining. It is the
             | plausible deniability and evolving self-sustainability
             | which are the main advantages Bitcoin/Ethereum/etc. have
             | over simpler schemes like BitConnect.
        
               | TheFreim wrote:
               | > Furthermore, that "something" can keep changing over
               | time
               | 
               | I don't follow. DApps didn't change to nfts, did they?
               | I'm pretty sure they still are used and developed.
        
               | astoor wrote:
               | No, DApps didn't change into NFTs, and yes, DApps and
               | ICOs still exist. But DApps and ICOs are not the current
               | "revolutionary" "game changing" drivers for "line goes
               | up" in the Ethereum world. Similarly I'd expect NFTs and
               | DeFi to continue to exist after whatever supersedes them
               | as the main attraction to draw in new members. Just like
               | there are still people who talk about Bitcoin as
               | "electronic cash" even though most have moved on to other
               | narratives like "digital gold". That is the evolving
               | self-sustainability aspect of plausible deniability. The
               | schemes are flexible enough for existing scheme members
               | to claim they are whatever they need to be to continue
               | drawing in those all-important new scheme members,
               | although most likely only for a finite period of time.
        
             | JackFr wrote:
             | > Bitcoin/Ethereum/etc actually do /something/
             | 
             | Big if true.
        
               | nest0r wrote:
        
               | TheFreim wrote:
               | You might think that the "something" "legit" crypto does
               | isn't a good solution even though it IS doing
               | "something". Bitcoin works as a distributed ledger,
               | depending on your view that might be a solution in search
               | if a problem but it's still something.
        
               | danaris wrote:
               | "Working as a distribute ledger" is a means to an end,
               | not an end in itself. It's a tool.
               | 
               | What is that tool _useful_ for that isn 't better served
               | by other tools?
               | 
               | That is the question that has never been answered, at
               | least not to my satisfaction.
        
           | [deleted]
        
           | qzx_pierri wrote:
           | I don't think crypto is a ponzi scheme, but I DO think
           | storing your crypto on third party servers is dangerous.
           | 
           | Although whenever I hear claims of "guaranteed returns" or
           | "proprietary investment technologies" I do think it may be a
           | ponzi scheme lol
        
         | beaconstudios wrote:
         | Show me one cryptocurrency that has driven real world industry
         | more than financial speculation and scamming.
        
           | Tenoke wrote:
           | I see no scamming in say Link (bringing offchain data on-
           | chain for other projects to use) or SNX (on-chain synthetic
           | assets). There's a ton of examples of projects that have
           | nothing to do with scams and are more akin to normal
           | companies providing blockchain-related services.
        
             | beaconstudios wrote:
             | That may be true, but I was looking for positive outcomes
             | from the industry as a whole. Of course there are companies
             | like metamask as well that just provide services within the
             | crypto industry.
        
           | cinntaile wrote:
           | You're moving the goal posts. It's fine to be against
           | cryptocurrencies, but I think it damages your credibility
           | when you claim bitcoin is a ponzi scheme. Since it shows a
           | lack of understanding of what a ponzi scheme actually is. By
           | you I don't mean you in particular, I mean it in a more
           | general sense.
        
             | shock-value wrote:
             | We can argue about what constitutes a proper Ponzi scheme,
             | but the idea that the promotion of crypto thus far has
             | existed to allow early adopters to cash out at the apparent
             | expense of later adopters, while bringing essentially no
             | other utility to any of its backers or the public at large,
             | is pretty obvious.
        
               | anm89 wrote:
               | This is just plainly not the definition of a ponzi scheme
               | 
               | https://en.wikipedia.org/wiki/Ponzi_scheme
        
               | ohyoutravel wrote:
               | That's just semantics at this point. I would encourage
               | you to address the statement being made and ignore the
               | technical definition of the phrase. To restate without
               | the offending phrase:
               | 
               | [T]he idea that the promotion of crypto thus far has
               | existed to allow early adopters to cash out at the
               | apparent expense of later adopters, while bringing
               | essentially no other utility to any of its backers or the
               | public at large, is pretty obvious.
        
               | cinntaile wrote:
               | It is very much not just semantics. Ponzi schemes are
               | illegal so the difference matters.
        
               | ohyoutravel wrote:
               | I double checked and no one in our comment chain has said
               | anything about legality at all, or even implied same, so
               | you pointing that out as the defining distinction is not
               | really relevant, don't you think? Besides, pump and dump
               | schemes of securities are illegal, though notably most
               | crypto is in the grey area because the SEC doesn't
               | classify it as a security.
        
               | cinntaile wrote:
               | It's a bit of a shortcut. It implies that
               | cryptocurrencies like bitcoin and ethereum don't fulfill
               | the necessary criteria to be deemed a ponzi scheme. If we
               | look at all the red flags mentioned in the wikipedia
               | article.... I shortened some criteria, for a more
               | detailed explanation of each criterium I suggest you
               | check the Wikipedia article.
               | 
               | High investment returns with little or no risk. --- Not
               | true.
               | 
               | Overly consistent returns --- Not true.
               | 
               | Unregistered investments --- True in some cases, not true
               | in others.
               | 
               | Unlicensed sellers --- same as above.
               | 
               | Secretive or complex strategies --- Not true.
               | 
               | Issues with paperwork --- Not true
               | 
               | Difficulty receiving payments --- Not true. Actually
               | irrelevant.
               | 
               | The sales personnel or adviser are overly pushy or
               | aggressive. --- Not true. Actually irrelevant. Not
               | bitcoin or ethereum sales personnel or advisers exist.
               | 
               | The initial contact took place by a cold call or through
               | a social network, a language-based radio or a religious
               | radio advertisement. --- This one is a tough one since
               | there are definitely devotees that likely were vital in
               | the initial spread. In most cases people probably came
               | into contact with crypto through the mainstream media
               | though.
               | 
               | The client cannot determine the actual trades or
               | investments that have been carried out. --- Not true
               | 
               | The clients are asked to write checks with a different
               | name than the name of the corporation (such as an
               | individual) or to send checks to a different address than
               | the corporate address. --- Not true. Actually irrelevant.
               | 
               | Once the maturity date of their investment arrives,
               | clients are pressured to roll over the principal and the
               | profits. --- Not true. Also irrelevant.
        
             | mdoms wrote:
             | Bitcoin is a Ponzi scheme.
        
             | rsstack wrote:
             | From Wikipedia:
             | 
             | A Ponzi scheme (/'panzi/, Italian: ['pontsi]) is a form of
             | fraud that lures investors and pays profits to earlier
             | investors with funds from more recent investors.[1] The
             | scheme leads victims to believe that profits are coming
             | from legitimate business activity (e.g., product sales or
             | successful investments), and they remain unaware that other
             | investors are the source of funds. A Ponzi scheme can
             | maintain the illusion of a sustainable business as long as
             | new investors contribute new funds, and as long as most of
             | the investors do not demand full repayment and still
             | believe in the non-existent assets they are purported to
             | own.
        
               | everfree wrote:
               | > The scheme leads victims to believe that profits are
               | coming from legitimate business activity (e.g., product
               | sales or successful investments), and they remain unaware
               | that other investors are the source of funds.
               | 
               | I think that's the key part that contradicts Bitcoin.
               | Nobody believes that Bitcoin is a business that generates
               | profits, and everyone is aware that when they cash out,
               | other investors are the source of funds.
               | 
               | There's no illusion of a business, and no assets that are
               | promised to exist but don't.
        
             | [deleted]
        
           | deadalus wrote:
           | Monero because its untraceable(real world industry -
           | underground drug markets)
           | 
           | IRS wants to crack it and awarded $1.25 million contract:
           | https://cointelegraph.com/news/chainalysis-and-texas-firm-
           | wi...
        
             | beaconstudios wrote:
             | This doesn't really shift my priors that the only practical
             | use of crypto is illegal transactions.
        
               | politician wrote:
               | El Salvador legalized Bitcoin for use in fee-free cross-
               | border remittances.
        
               | mdoms wrote:
               | Fee free bitcoin transactions? How does that work?
        
               | politician wrote:
               | Bank fee free.
        
               | mdoms wrote:
               | So, not fee free?
        
             | toomuchtodo wrote:
             | Do you need to crack it if the government can be a majority
             | hashrate of the miner pool? One need not crack it to
             | control it. You'd be able to double spend, mine empty
             | blocks, orphan blocks from other miners, etc. Just need to
             | get to and sustain 51% of the hash pool, which sounds
             | trivial considering nation state compute resources.
        
               | everfree wrote:
               | > sounds trivial considering nation state compute
               | resources
               | 
               | Bitcoin is mined almost exclusively on ASICs, which hash
               | many orders of magnitude more quickly than general
               | computing devices. So a nation-state's general compute
               | resources wouldn't be useful in attacking Bitcoin. They
               | would need to manufacture or acquire more specialized
               | compute resources.
               | 
               | edit - My bad disregard this, missed that the context of
               | this thread is Monero.
        
               | toomuchtodo wrote:
               | The discussion and context was about Monero. Bitcoin is
               | traceable without having to break it like Monero.
        
         | z3c0 wrote:
         | It will take time. Upsetting technologies attract conartists
         | like flies to honey. Critics will deliberately conflate the
         | cons with the rest until then, as it's a very convenient
         | argument (though obviously fallacious.)
        
           | TheFreim wrote:
           | Alternatively, con-artists pose as upsetting technologies to
           | convince people to get in on the "ground floor" of the
           | exciting hyped tech (doesn't necessarily apply to crypto).
        
           | spicyusername wrote:
           | > It is difficult to get a man to understand something when
           | his salary depends upon his not understanding it.
           | 
           | > - Upton Sinclair
        
             | sbarre wrote:
             | Is this a pro or con comment? Could be both I suppose.
        
               | dennis_jeeves1 wrote:
               | It's a relatively objective assessment of the topic, and
               | human nature in general.
        
               | DonHopkins wrote:
               | Pro-cryptocurrency comments are usually cons.
               | 
               | And unfortunately nobody's salary depends on preventing
               | other people from shilling get-rich-quick pyramid
               | schemes. (Except maybe for dang's.)
        
         | logicalmonster wrote:
         | The really fascinating bit isn't that they're currently
         | programmed to think that crypto is doubleplusungood, it's the
         | 180 narrative flip they'll do the second that their chosen
         | media entities tells them to view crypto as doubleplusgood.
         | You're going to see hordes of former crypto detractors rewrite
         | history in their minds and come out with a new viewpoint
         | without an inkling of self-awareness.
        
           | civilized wrote:
           | I'll ask you the same question I ask everyone who spouts
           | nonsense - when it turns out you're wrong, will you care? Or
           | is possessing this worldview somehow intrinsically satisfying
           | to you, regardless of reality?
        
             | logicalmonster wrote:
             | 1) What exactly would I be wrong about? A good test for
             | cognitive dissonance is comparing your predictions to
             | reality, and I do not believe that I ever stated that
             | BitCoin is inevitably going to become the most important
             | currency in the world. I think crypto is great conceptually
             | (which will never be not true) and that it may or may not
             | succeed in the marketplace. Bitcoin itself may not succeed
             | long-term even if crypto does. I acknowledge all of those
             | things.
             | 
             | 2) If crypto "fails", I'd say that the reason for the
             | failure is important in making an assessment. If it fails
             | because the technology is too slow long-term or not enough
             | people choose not to use it for a very long-time, that's
             | one thing that would be harder to argue against. If crypto
             | fails because it's effectively legislated out of existence,
             | that would be hard to see that as anything but a
             | vindication of the concept.
             | 
             | 3) For what it's worth, while I consider myself to be a
             | fairly rational person, nobody is absolutely immune to
             | cognitive dissonance. You should constantly check your
             | premises and examine your past predictions. That's part of
             | why I support the absolute right to free speech and debate
             | ideas and play devil's advocate a lot.
             | 
             | 4) I stand firm on one prediction. If some government out
             | there decides to use some crypto for their central bank,
             | they're going to have their media pump out support for it,
             | and many former crypto opponents will be reprogrammed on
             | the fly and take on a pro-crypto viewpoint without skipping
             | a beat if they're told to.
        
               | civilized wrote:
               | That's all well and good. The only thing I'll say is, I
               | think you vastly overestimate how many people are
               | programmed one way or the other. I think a few people
               | have formed their own opinions, a few people have been
               | politically programmed, and the vast majority have no
               | real opinion on the goodness or badness. For them,
               | Bitcoin is just a curiosity or a fun casino to play in.
               | 
               | I also wouldn't neglect that a lot of people have been
               | programmed by crypto ideology.
        
               | lolinder wrote:
               | > If crypto fails because it's effectively legislated out
               | of existence, that would be hard to see that as anything
               | but a vindication of the concept.
               | 
               | If the concept is "decentralized payments are resistant
               | to government intervention", then wouldn't the government
               | killing crypto be proof that the concept failed?
        
               | logicalmonster wrote:
               | > If the concept is "decentralized payments are resistant
               | to government intervention", then wouldn't the government
               | killing crypto be proof that the concept failed?
               | 
               | Anything can be physically destroyed and anybody can be
               | physically jailed or killed, so I suppose there will
               | never be a currency that is 100% immune to punitive
               | government action.
               | 
               | But it seems like a vindication of the concept if some
               | government felt threatened enough by crypto to have to
               | forcibly go after it. Harmless bad ideas are generally
               | not targeted (see furries for example) the only things
               | that are forcibly banned are things that pose some kind
               | of threat to the power structure.
        
               | civilized wrote:
               | A lot of people want crypto banned simply because its
               | uses seem to be almost entirely restricted to criminal
               | activity and speculation (i.e. gambling).
        
               | logicalmonster wrote:
               | > A lot of people
               | 
               | 1) Despite crypto being around for just over a decade and
               | real commerce being transacted with it, we're still in
               | the frighteningly early days of its use. I'd say that
               | even super-smart technical people are just barely
               | scratching the surface and it's probably going to be
               | about 3-5 years before an average technical person has a
               | proper understanding of what a blockchain is and how it
               | works, let alone understanding the ramifications of
               | oracles when combined with smart contracts. Everybody is
               | entitled to their opinion, but there's no chance that the
               | general public really understands crypto right now,
               | especially when their impression of it comes from a media
               | that doesn't understand it either.
               | 
               | 2) Regardless of most peoples' understanding of it, it
               | should go without saying that human rights should not be
               | up to a poll.
               | 
               | > want crypto banned simply because its uses seem to be
               | almost entirely restricted to criminal activity
               | 
               | 1) I don't know what percentage of crypto uses are normal
               | commerce and which are criminal actions, but I know
               | firsthand that crypto is used for all kinds of business
               | payments for years.
               | 
               | 2) You might as well advocate banning paper cash, most
               | banks, etc if you want to ban something tied to crime.
               | 
               | > and speculation (i.e. gambling).
               | 
               | It should go without saying that even the worst excesses
               | of gambling are legal in a free society.
               | 
               | If you want to ban all financial speculation, you might
               | as well ban all betting and the stock market too.
        
               | civilized wrote:
               | I stand by my statements. Bitcoin is a bad currency for
               | anyone but criminals and speculators. People toy with
               | using it for legitimate purposes, but it's fundamentally
               | not competitive.
               | 
               | Most of your response is based on a failure to understand
               | how useful things that _can_ be misused are different
               | from things that have virtually no good use and lots of
               | bad ones. If Bitcoin was banned tomorrow, the world would
               | be no worse off.
        
         | capableweb wrote:
         | Let's assume for the faith of your argument that Bitcoin is a
         | ponzi scheme. Who is at the top that gains from all of this?
         | And how are you gonna indict "them" when seemingly no one knows
         | who they are?
        
           | TheFreim wrote:
           | > Who is at the top that gains from all of this?
           | 
           | In a ponzi scheme the people higher in the pyramid are anyone
           | who joined in the past and is trying to grow it. You could
           | say Satoshi with his early mining and various other
           | "insiders", whether their identity is known or not, are at
           | the top. I don't necessarily agree that it's a ponzi scheme,
           | although I'm sympathetic with many anti-crypto arguments, but
           | that's the reasoning if expect they'd use.
        
             | chiefalchemist wrote:
             | Ponzi scheme? Perhaps not. So maybe we need a new word?
             | It's a new invention, and thus might require a new lexicon
             | to capture its essence.
        
               | cygx wrote:
               | Here are some terms that already exists: 'economic
               | bubble', 'pump and dump', 'greater fool theory', ...
        
               | jtbayly wrote:
               | Sounds like a fiat currency in many respects. Which is
               | funny since that's what it was supposed to not be.
        
               | DonHopkins wrote:
               | Pinto Currency?
               | 
               | http://content.time.com/time/specials/2007/article/0,2880
               | 4,1...
               | 
               | Scripps-Booth Bi-Autogo Currency?
               | 
               | http://content.time.com/time/specials/2007/article/0,2880
               | 4,1...
               | 
               | Bagger Currency?
               | 
               | https://en.wikipedia.org/wiki/Bagger_288
        
           | keithalewis wrote:
           | Let's just agree to call it a distributed digital Ponzi
           | scheme used for ledgerdemain.
        
             | jtbayly wrote:
             | Ledger. I see what you did there.
        
           | espadrine wrote:
           | Names are hard, because it is common to name something with
           | what looks most like it, even when there are differences.
           | 
           | There are two separate phenomena that give it the appearance
           | of a Ponzi.
           | 
           | First, a Ponzi works by taking the money of new investors,
           | and distributing it to past investors that cash out with
           | "profit". Similarly, BTC _investing_ (as in, intending to
           | make a profit from the difference between the buy and the
           | sell price) works by taking the money of new investors (in an
           | exchange) and distributing it to past investors that cash
           | out, yielding a profit that, from a systemic perspective,
           | will eventually cause someone's loss. From that viewpoint,
           | successful investors are unwittingly taking the money of
           | people that may not afford the loss.
           | 
           | Second, a Ponzi works by making up assets (typically
           | financial instruments) out of thin air, and selling them to
           | victims (some of which will profit, many will lose), making a
           | profit out of thin air. Similarly, the creator of a
           | cryptocurrency typically puts itself in a position where they
           | either premine the coins, or create an algorithmic schedule
           | where most of the coins are created in the first few years,
           | making them out of thin air, and giving themselves a
           | significant advantage, as they will give themselves a
           | generous chunk. They then sell those coins to victims, making
           | a profit out of thin air. Even Nakamoto famously was flagged
           | as an intensive miner in early years, and clearly did not
           | expect to be deanonymized by the coinbase counter, since they
           | changed it once it was found out.
           | 
           | It is true that there are dissimilarities as well. The
           | largest one is the failure mode. A traditional Ponzi fails
           | because people that did not get their "guaranteed profit,
           | _whisper_ past performances is not a guide for future
           | performance", are unlikely to reinvest, leading to a breaking
           | point where everyone takes their money out until none is
           | left. In the types of cryptocurrencies described above,
           | people are often willing to reinvest even when they lost
           | substantial amounts.
           | 
           | The failure mode typically comes many decades later, when
           | lost keys (deaths etc) cause a slow deflation until no coin
           | remains in use.
        
         | mdoms wrote:
         | They're all Ponzi schemes. Every last one of them.
        
       | shaolinspirit wrote:
       | undying classic from carlos
       | https://www.youtube.com/watch?v=XFwlWLtsw6c
        
         | bredren wrote:
         | Here is the original "speech":
         | 
         | https://youtu.be/lCcwn6bGUtU
         | 
         | Most of the early yelling is done at 1:04. Then you get the
         | guts of his talking points.
         | 
         | Make massive financial gains, the gains are due to faith and
         | belief that by purchasing this currency you will be responsible
         | for changing the world.
         | 
         | This guy's intro / enthusiasm is a long running joke between a
         | pal and me. Crypto price is up? Bitconnect...! Price is down?
         | Bitconnect...! In a pinch, the screaming and stomping around
         | encapsulates anything crypto.
         | 
         | Really, it is a notable performance of "hype man."
        
           | xapata wrote:
           | Good stage presence, but the backup singers should have been
           | more dynamic.
        
           | 3np wrote:
           | Better quality: https://youtu.be/watch?v=kNdp0I8AG40
        
         | [deleted]
        
         | ufo wrote:
         | Was Carlos indicted as well?
        
           | anm89 wrote:
           | Carlos was not really a part of Bitconnect. IIRC he just
           | showed up to some event and did such a good job riling up the
           | crowd that they started making him part of the show.
        
             | Hamuko wrote:
             | He says he got scammed out of money in Bitconnect as well.
        
             | AussieWog93 wrote:
             | Yep, we was a victim too; lost $25k. His main job is (IIRC)
             | an Integration Aide at a special school, so I can imagine
             | this was pretty significant.
             | 
             | It seems he has been a victim to multiple investment scams
             | (losing $100k+ in total) but genuinely believes that one
             | day he'll strike it rich.
             | 
             | He speaks about it openly in his vlog:
             | 
             | https://www.youtube.com/watch?v=3odIbJl-dGM
             | 
             | (Hilarious channel if you have time to waste.)
        
             | ufo wrote:
             | I see... I was confused by the parent post talking about
             | him.
        
         | elevaet wrote:
        
         | Lapsa wrote:
         | wasso wasso wasso wasso
        
         | michaelsbradley wrote:
         | epic remix: https://youtu.be/e5nyQmaq4k4
        
           | Hamuko wrote:
           | I prefer this Bitconnect song:
           | https://www.youtube.com/watch?v=chuYu7E7RrA
        
         | resonanttoe wrote:
         | When the inner Ballmer takes over
        
         | kinduff wrote:
         | this has to be one of my favorite bitcoin scam meme of all time
        
       | KHRZ wrote:
        
       | jmyeet wrote:
       | Crypto may well be the biggest solution looking for a problem
       | I've ever seen.
       | 
       | Apart from the obvious issues (eg energy expenditure) the one
       | myth that needs to die about crypto is that it is
       | extragovernmental and indictments such as this and the Bitfinex
       | laundering case recently should underline that.
       | 
       | The simple fact is that the developed world could shut down what
       | little utility cryptocurrencies (and NFTs) have _tomorrow_ if
       | they chose to. China banned mining and mining was gone
       | immediately (largely moving to Kyrgystan it seems). Defenders
       | will say you can 't shut down the network and that might be true
       | but it's irrelevant.
       | 
       | The threat of legal action will be enough to keep th evast
       | majority of people away. And the weakness of any crypto is that
       | at some point it has to interface with the real world or it's
       | completely useless. Obvious example: the traditional financial
       | system. Access to the US financial system is what allows the US
       | government to exercise influence over European financial
       | institutions to stop them, for example, dealing with sanctioned
       | countries like Iran.
        
         | pricees wrote:
         | I want to donate to a cause that Justin Trudeau finds
         | "unacceptable." I want to send money to Ukraine. I think this
         | week we saw problems with tradfi in the developed and
         | developing world. And of course in the good ole US of A, I hear
         | stories of civil forfeiture every other month.
        
           | colechristensen wrote:
           | And how do you feel about economic sanctions for Russia,
           | Putin, etc? (And crypto being a way to evade them)
           | 
           | Do you think a cryptocurrency is any less susceptible to
           | civil forfeiture than cash?
        
             | pricees wrote:
             | You are correct, evading economic sanctions is another
             | problem crypto solves. :)
             | 
             | (I am not here to make any value judgments)
        
               | LightG wrote:
               | You've just made one.
        
           | woodruffw wrote:
           | "Civil forfeiture" does not and has never meant "fiat
           | forfeiture." If the government tells you to forfeit your
           | assets (justly or unjustly!), you can be certain that they
           | will not be amused or deterred by attempts to hide those
           | assets via cryptocurrency.
        
             | vageli wrote:
             | > "Civil forfeiture" does not and has never meant "fiat
             | forfeiture." If the government tells you to forfeit your
             | assets (justly or unjustly!), you can be certain that they
             | will not be amused or deterred by attempts to hide those
             | assets via cryptocurrency.
             | 
             | If they don't know it exists, they can't take it. Just like
             | I can cross the border with a hundred thousand in crypto in
             | a wallet. And even if they find the hardware wallet, that
             | is not enough to seize the funds, especially if it's a
             | brain wallet or something similar. The same simply doesn't
             | exist for fiat.
        
               | woodruffw wrote:
               | > If they don't know it exists, they can't take it.
               | 
               | I've said this before: any financial system that turns a
               | _presumed_ crime (the efficient cause of the asset
               | seizure) into _direct evidence of another crime_ (trying
               | to hide assets) is not a good financial system.
               | 
               | What you're describing doesn't exist _in practice_ for
               | any medium of exchange.
        
               | gamblor956 wrote:
               | _Just like I can cross the border with a hundred thousand
               | in crypto in a wallet._
               | 
               | No, you can't. You can cross the border with the private
               | key for a wallet containing the addresses of a hundred
               | thousand units of crypto, but the crypto isn't in your
               | wallet (either kind), it's in the blockchain ledger of
               | whatever cryptocurrency you're using.
               | 
               | And this is an important distinction from money, because
               | the money is actually in your wallet and you can use it
               | without an internet connection, but the crypto is
               | actually in the cloud and requires an internet connection
               | to access and use.
        
           | bentlegen wrote:
           | Note that folks who claimed their bank accounts were frozen
           | because they were "donors to the convoy" never actually
           | verified that that actually happened [1]. At the same time
           | the government, the RCMP, and the banks have come out and
           | said "that didn't happen" [2]. Last, the government ceded its
           | emergency powers after about a week total, despite claims on
           | HN and various thinkpieces that they would be extended in
           | perpetuity [3].
           | 
           | [1] https://www.cbc.ca/news/canada/british-columbia/mp-mark-
           | stra...
           | 
           | [2] https://www.theglobeandmail.com/canada/article-rcmp-
           | banks-an...
           | 
           | [3] https://www.thestar.com/politics/federal/2022/02/23/justi
           | n-t...
        
             | itsoktocry wrote:
             | > _and the banks have come out and said "that didn't
             | happen"_
             | 
             | The article didn't say it didn't happen. In fact, it says
             | it _did_ happen:
             | 
             |  _"individuals and companies suspected of involvement in
             | illegal acts," such as "influencers in the illegal protest
             | in Ottawa""_
             | 
             | What exactly does it mean to be an "influencer"? Why are
             | people being punished for "suspected involvement"? You're
             | using circular reasoning claiming the only people affected
             | deserved it.
             | 
             | > _Last, the government ceded its emergency powers after
             | about a week total_
             | 
             | What does this matter if they can turn around and re-enact
             | it tomorrow?
        
             | pricees wrote:
             | And then there was GoFundMe and GiveSendGo. I am not
             | arguing the politics here. I am responding to the critique
             | that crypto is a solution in search of a problem.
        
               | Yetioko wrote:
               | Those are companies with policies.
               | 
               | They have to listen to laws.
               | 
               | Guess what happens if crypto would become bigger and
               | actually a problem for all states globally?
               | 
               | Do you really think they will just accept this? In which
               | way do you think they literlay can't control crypto
               | anymore?
               | 
               | Just because its digital and on the internet, doesn't
               | mean its digital only. It is not and as long as that is,
               | its easy for a state to make sure crypto will never ever
               | reach this level.
               | 
               | You don't believe a state can do this? Just a small
               | reminder about the great firewall from china. There are
               | countries who shut down their internet, literaly.
        
             | mardifoufs wrote:
             | The reason they didn't extend them was that they didn't
             | want to go through the senate vote, and also because of the
             | extreme controversy it caused. Trudeau had said earlier he
             | wanted to extend them past the 30 days. So it's weird to
             | say that the controversy and reactions were baseless
             | because their intended goal was achieved. And that was to
             | make Trudeau's decision as politically costly and
             | controversial as possible.
             | 
             | Also accounts were still seized over a protest, so it
             | doesn't matter if it was from people donating or those who
             | were protesting
             | 
             | https://financialpost.com/fp-finance/banking/convoy-
             | leader-d...
             | 
             | (Url is weird and doesn't match the actual article)
        
               | gamblor956 wrote:
               | So in other words...the system worked exactly as it was
               | designed to work...
        
               | mardifoufs wrote:
               | I guess but only because there was a very very vocal
               | backlash. It wouldn't have necessarily worked if everyone
               | was just complacent and apologetic for Trudeau. Trudeau
               | had no intention of showing any restraint until the
               | backlash intensified.
        
         | everfree wrote:
         | I'm not aware of any threats by developed countries to ban
         | citizens from interacting with cryptocurrency networks. It
         | seems like the trend is quite the opposite, actually: Most
         | countries are clarifying and tightening up their regulations to
         | ensure legal cut-outs for exchanges and other crypto related
         | money service businesses.
         | 
         | If anything, countries might want to ban mining due to its
         | environmental impacts, but as you illustrated, there are plenty
         | of countries for mining operations to move over to, resulting
         | in a game of cat-and-mouse that at its very most impactful
         | might help catalyze the move from Proof of Work cryptos to
         | Proof of Stake cryptos. I just don't see any future where all
         | crypto is largely banned.
         | 
         | Where is this threat of legal action I'm not seeing?
        
         | mouzogu wrote:
         | there is that expression, morality is how people think the
         | world _should_ be, economics is the reality of how it _really_
         | is
         | 
         | the problem = lack of investment options, stagnant wages,
         | inflating cost of living, being priced out
         | 
         | solution = gambling on crypto and making some money
         | 
         | speaking as a millenial. honestly crypto is the only way could
         | ever dream of buying a house.
         | 
         | ive been working 15 years and saved 150k. average family home
         | in my town is over 1 million.
         | 
         | and stocks are inflated, the s&p is almost at a 90 degree
         | angle. i bought btc in 2014 and my only regret was not buying
         | more.
        
           | BbzzbB wrote:
           | Everything is inflated and has been bid up. Cryptos are
           | certainly no exception, it's only gotten worse in the last
           | two years with all the FOMO they fostered and salesman that
           | gathered to profit off my disillusioned generation. To each
           | their own, but I think the idea that TINA to crypto is plain
           | silly, yet I know more people (am millennial) owning crypto
           | than stocks, always with this notion that TINA. At least with
           | stocks you're still entitled to legal ownership of cashflows,
           | with cryptocurrencies today you merely get a late entrance
           | ticket to a digital commodity that _might_ have monetary
           | value, but trades like just another risk-on asset.
           | 
           | The S&P500 will always look like a 90 degree angle on a long
           | enough timeline, that's just how exponentials work. And it is
           | by definition exponential as earnings compound, a quality
           | cryptos do not possess. But it is ironic to hold that against
           | it when 5-year charts in the crypto world look as they do.
           | 
           | Time will tell which way it resolves I guess.
        
             | mouzogu wrote:
             | yes, crypto is inflated, and a pump and dump, but there is
             | opportunity there, and hope. and that is what most retail
             | are buying.
             | 
             | i mean something changed in the stock market after 2008.
             | i'm not really educated enough in finance, but it seems the
             | value of stocks just went vertical. and since the covid
             | pandemic everything has doubled in value. i know its
             | related to decrease in value of usd but since my salary
             | doesnt even increase to match inflation so its the same
             | both ways.
             | 
             | if i invest in stocks, at best i will get 2x after 5 years,
             | at worst i will be buying at the peak of the everything
             | bubble.
        
             | d13 wrote:
             | Ethereum has revenue 1b per month - and that's 100% profit.
             | It's highly undervalued at the moment.
        
         | atlantas wrote:
         | With crypto you can transfer your wealth across borders away
         | from oppressive regimes or an incoming army by memorizing 12
         | words.
         | 
         | It's hard to overstate how valuable that is for anyone who
         | finds themselves in that position, and it's becoming more
         | relevant by the day.
        
           | Yetioko wrote:
           | You can only do this as long as you are able to convert fiat
           | to crypto and back.
           | 
           | You can also only do this as long as crypto is so small that
           | its not getting banned.
           | 
           | And for everyone who doesn't has this issue, crypto is
           | actually bad: the overall benefit of anonymous money transfer
           | benefits who want to do illegal things which are illegal for
           | purposes.
           | 
           | Would you like to know that others are doing tax fraud and
           | you are the fair citizen? Knowing that they do not contribute
           | to schools and infrastructure while using your schools and
           | infrastructure?
           | 
           | We do not benefit from tax fraud. The mafia does.
        
             | evandale wrote:
             | >You can only do this as long as you are able to convert
             | fiat to crypto and back.
             | 
             | >You can also only do this as long as crypto is so small
             | that its not getting banned.
             | 
             | Killing cryptocurrency is impossible if people value it and
             | can exchange it for fiat in-person.
             | 
             | >And for everyone who doesn't has this issue, crypto is
             | actually bad: the overall benefit of anonymous money
             | transfer benefits who want to do illegal things which are
             | illegal for purposes.
             | 
             | Governments can make anything illegal for any reason they
             | want. I've lost a ton of trust in the Canadian government
             | after they deemed it illegal to donate to a cause they
             | disagree with.
             | 
             | >Would you like to know that others are doing tax fraud and
             | you are the fair citizen? Knowing that they do not
             | contribute to schools and infrastructure while using your
             | schools and infrastructure?
             | 
             | >We do not benefit from tax fraud. The mafia does.
             | 
             | The mafia has far better ways of committing tax fraud than
             | using cryptocurrency.
             | 
             | Only the rich will benefit from banning cryptocurrency.
        
         | FollowingTheDao wrote:
         | > Crypto may well be the biggest solution looking for a problem
         | I've ever seen.
         | 
         | Truth. And I have not idea why people think Crypto is a hedge
         | against anything. It pretty much follows the stock market and
         | gold, albeit in much higher gamma.
        
         | senthil_rajasek wrote:
         | >China banned mining and mining was gone immediately (largely
         | moving to Kyrgystan it seems).
         | 
         | Kearney, NE seems like a popular destination too, for crypto
         | mining.
         | 
         | https://www.npr.org/2022/02/24/1081252187/bitcoin-cryptocurr...
        
           | mynegation wrote:
           | You surely meant Kearney, NE. NB in the North-American
           | context stands for New Brunswick, Canada.
        
             | senthil_rajasek wrote:
             | Yes, Thank you.
        
         | TheFreim wrote:
         | > Crypto may well be the biggest solution looking for a problem
         | I've ever seen.
         | 
         | I think this hinges on what problem you identify. If someone
         | identifies centralized financial systems as bad, even if
         | they're efficient, the problem is real and the solution fits
         | the problem. If you contest this, as many do for good reason,
         | it becomes a solution in search of a problem.
        
           | ScarletEmerald wrote:
           | The solution doesn't fit the problem though. Sure, _in
           | theory_ bitcoin-style cryptocurrencies can replace
           | centralized financial systems. But, as keeps being
           | demonstrated, including by this very example, _in practice_
           | what you end up with is different, less-efficient,
           | centralized financial systems dominated by fraud.
        
             | TrapLord_Rhodo wrote:
             | how is it less efficient? Obviously btc can't replace the
             | financial system but crypto can.
             | 
             | Investors in the next 10 years are going to realise that an
             | omnipool was all that was needed in the first place and the
             | NYSE is a dinosaur in comparison.
        
               | Yetioko wrote:
               | Etherium is looking for a PoS system.
               | 
               | Guess what our current fiat system actually is? A highly
               | finetuned evolutionary PoS system.
               | 
               | It has features like:
               | 
               | - transparency
               | 
               | - fraud detection
               | 
               | - political sanctions (russia vs. ukraine, north korea,
               | iran...)
               | 
               | - fairness due to transparency (you pay your taxes, i do:
               | we both pay our fair share of infrastrucutre cost etc.)
               | 
               | - easy to use (my grandparenst were able to use it)
               | 
               | - save
               | 
               | - easy authentication and authorization system (i can get
               | money with my passport)
               | 
               | - globally accepted
               | 
               | - low transaction fees
               | 
               | - self optimizing system due to capital market (one bank
               | can do transactions faster and cheaper than you can)
        
               | meowkit wrote:
               | I'm just going to point out that you said nothing about
               | proof of stake here, and I am getting the sense from your
               | other comments that you do not understand the
               | technicalities of the traditional finance system, or
               | cryptocurrencies.
        
               | TrapLord_Rhodo wrote:
               | - transparency Crypto, besides privacy coins is the most
               | transparent you can possibily get. It's a public,
               | immutable ledger. The US can literally go in an change
               | the total supply anytime with zero transparency. And
               | since USD is the global denomination of debt, when i
               | increase my supply it actually makes my currency more
               | valuable since everyone is shorting their own currency
               | (Since their debt is in USD) and inflation leads to asset
               | inflation which is a good thing for the wealthy, but a
               | negative thing for those holding and dealing in USD. = us
               | plebs.
               | 
               | - fraud detection
               | 
               | See point above, fraud is built into the system.
               | 
               | - political sanctions (russia vs. ukraine, north korea,
               | iran...)
               | 
               | Political sanctions have been this economic philosophy
               | that hasn't entirely played out in the countries doing
               | the sanctions favor. These economies, due to force have
               | been required to be much more verticly integrated and
               | invest into the economies most hit by sanctions.
               | Sanctions don't do much and the problem is, the more you
               | sanction the less leverage you have.
               | 
               | - fairness due to transparency (you pay your taxes, i do:
               | we both pay our fair share of infrastrucutre cost etc.)
               | 
               | What is fair about the current tax system? See my
               | transparency point above, all those people trying to
               | evade crypto taxs are in for a rude awakening when the
               | governmeent develops machine learning to track and trade
               | public ledgers... Everyone knows it's a public ledger...
               | exactly the oposite of being descrete.
               | 
               | - easy to use (my grandparenst were able to use it)
               | 
               | Becausee it started being built when your grandparents
               | grandparents were alive. Most shops didn't accept CC's
               | when they first came out and it took a generation for the
               | technology to preliforate. I'd say crypto has done what
               | the old system did in 1/4 of the time.
               | 
               | - save
               | 
               | I get 4% APR on my stablecoins. 20+% on my DeFi Pools
               | paid in stable coins.
               | 
               | - easy authentication and authorization system (i can get
               | money with my passport)
               | 
               | I can provide authorization with a 10 word pneumonic.
               | 
               | - globally accepted
               | 
               | What is globally accepted exactly? USD? no it's not...
               | it's only acceepted in the US. If i want to do business
               | globally i have to swap to that asset. I not only have to
               | worry about remittance, currency exchanges, trade fees
               | and loan denomination. Terra has the ability to swap
               | between many different currencies using stablecoins with
               | almost no transaction fees.
               | 
               | - low transaction fees
               | 
               | BTC and Eth have extremely high transaction fees, but any
               | V3 crypto has lower transaction fees than the current
               | financial system. - self optimizing system due to capital
               | market (one bank can do transactions faster and cheaper
               | than you can)
               | 
               | self optimizing system due to capital market (one bank
               | can do transactions faster and cheaper than you can)
               | 
               | Play around with some decentralized exchanges, solona or
               | DOT. they can do transactions faster and cheaper than any
               | incumbent, including VISA or the NYSE.
        
         | LMYahooTFY wrote:
         | > The simple fact is that the developed world could shut down
         | what little utility cryptocurrencies (and NFTs) have tomorrow
         | if they chose to. China banned mining and mining was gone
         | immediately (largely moving to Kyrgystan it seems). Defenders
         | will say you can't shut down the network and that might be true
         | but it's irrelevant.
         | 
         | How is it irrelevant? The ban in China did not affect the
         | operation of the network.
         | 
         | With regard to the "move", this is plagued by the same flaw the
         | energy consumption statistics are: you don't know where the
         | miners are. Not acknowledging this limitation is somewhere
         | between disingenuous and stating a falsehood.
         | 
         | This does not demonstrate that developed nations "could shut it
         | down tomorrow".
        
           | ninth_ant wrote:
           | If Western nations enacted policies on bitcoin similar to
           | China, this wouldn't shut down the network entirely but would
           | drive it underground. This would limit the usefulness and
           | presumably value of the network, at the very least.
        
             | Hjfrf wrote:
             | Banning miners would send them to the next-most corrupt
             | country with cheap energy.
             | 
             | A more meaningful move would be to ban exchanges, so that
             | miners can no longer take exit liquidity at the expense on
             | retail "investors".
        
           | skybrian wrote:
           | It's a good point that so far, major changes for miners
           | haven't affected operations.
           | 
           | I'm not sure it's true that nobody knows where they are.
           | There are rankings by country. They need Internet access and
           | power. Many operate openly. Large data centers aren't
           | invisible.
           | 
           | Also, miners were kicked out of Kyrgyzstan. Many machines
           | were confiscated. It seems a lot of miners moved to the US
           | because, even if they are eventually shut down, at least they
           | will still have their machines, hopefully.
           | 
           | Governments could greatly reduce the hash rate by cracking
           | down on miners who operate openly, and then Bitcoin would be
           | considerably less secure against a takeover.
           | 
           | Suppose, after getting kicked out of many places, many miners
           | move somewhere without strong property rights, and then the
           | government takes control of the machines and runs them? Or
           | maybe the miners keep running, but the government tells them
           | which transactions to block?
        
             | Yetioko wrote:
             | They just stop it as they don't know how to use it and they
             | also don't care about it anyway.
             | 
             | Only the corrupt ones might accept a bribe.
        
               | skybrian wrote:
               | So far that's been true. Would you count on people never
               | learning?
        
         | phil21 wrote:
         | > Crypto may well be the biggest solution looking for a problem
         | I've ever seen.
         | 
         | It seems like it precisely solved the problem it originally
         | claimed to solve to me. Permissionless p2p transactions. Full
         | stop, no political baggage to argue about.
         | 
         | I think it's others look for "bigger" problems for it to fill
         | that are the problem, not the tech itself.
         | 
         | Blockchain's killer app is Bitcoin. Someday folks will finally
         | realize this.
         | 
         | Many will think it's useless until they unfortunately find a
         | need for it.
        
         | [deleted]
        
         | mstipetic wrote:
         | For me it's funny to see twitter comments now asking can we
         | impose crypto sanctions on Russia. It's like all these
         | institutions and mechanisms we have are there are for a reason
        
         | TrapLord_Rhodo wrote:
         | >Crypto may well be the biggest solution looking for a problem
         | I've ever seen.
         | 
         | People don't understand crypto yet... play around with it a
         | bit.
         | 
         | Things not possible in the current financial system:
         | 
         | - Participate in a crowdlown on polkadot.
         | 
         | - Play around in some DeFi. Earn yield on two assets.
         | 
         | - Store some files hyperlocally and encrypted on peoples laptop
         | with filecoin. And learn how persistant indexing will help the
         | internet be more resiliant.
         | 
         | - Sell some data using ZKsnarks.
         | 
         | - Query the blockchains persistance with the graph.
         | 
         | And if you don't do any of the above and you still hate crypto,
         | just do this for your future self.
         | 
         | - Write a smart contract that sends some coins back to your
         | wallet in 10 years.
         | 
         | If you're correct in your opinion, you get to make fun of all
         | your friends who spent a percentage of their portfolio in the
         | crypto space. And joke about how they should have cashed out in
         | 2020.
         | 
         | But if you're wrong, you have missed the technological
         | innovation of your generation and the potential to shake up the
         | class system.
        
           | malermeister wrote:
           | > the potential to shake up the class system.
           | 
           | 0.01% of bitcoin holders controls 27% of the currency in
           | circulation. [0]
           | 
           | If this is changing the class system in any way, it's for the
           | worse.
           | 
           | [0] https://www.wsj.com/articles/bitcoins-one-percent-
           | controls-l...
        
             | massinstall wrote:
             | Exactly this!
        
             | TrapLord_Rhodo wrote:
             | Because i doubt the roth childs are among those whales.
        
               | danaris wrote:
               | Replacing the _current_ megarich with a _different_ set
               | of megarich isn 't "shaking up the class system". It's
               | just changing the nametags.
        
               | malermeister wrote:
               | Think again.
               | https://www.coindesk.com/markets/2021/07/20/rothschild-
               | inves...
        
               | TrapLord_Rhodo wrote:
               | for the rothchilds it represents .00001% of their total
               | wealth.
               | 
               | The rothchilds keep their wealth in art, land and gold
               | and why they have managed to stay rich for so long.
               | 
               | I can point to atleast one person who's class shifted and
               | that person is me.
               | 
               | Also, you cherry picked one point among many and
               | misunderstood it. Although there may be some of the
               | financial elite who bought in early in BTC and crypto
               | (Especially A-Z) there was alot of nerdy technologists
               | among the winners. Also, alot of those winners have gone
               | to set up hundreds of crypto companies who might even be
               | more centralized.
               | 
               | Anti-centralization isn't the point i was making, it was
               | a redistribution of that centralization which obviously
               | can never be supported with hard facts but rather a
               | feeling and subjective experience i've had with crypto
               | billionaires.
        
               | malermeister wrote:
               | What you're saying comes down to "it might make the
               | problem of inequality and class worse, but hey maybe I'll
               | be on top this time".
               | 
               | I suspect you're having a hard time getting people to
               | sympathize and are receiving a lot of pushback because
               | that is an incredibly selfish view that makes people
               | dislike what you're proposing.
        
               | TrapLord_Rhodo wrote:
               | You're coming at if from an angle of fixed pie wealth,
               | then yes. It might make inequality and class worse. But
               | if the total wealth on planet earth is not fixed and you
               | can create wealth through technological innovation,
               | network effects and solidarity then no, giving the
               | technologically driven nerds alot of money to do cool
               | shit with hardly makes "he problem of inequality and
               | class worse".
               | 
               | Edit: Also, your WSj article is bullshit. I believed you,
               | but that analysis is a bold faced lie and cherry picks
               | alot of facts to arrive at the analysis. OFC all the
               | exchanges are going to appear to have alot of btc and
               | since they are "Actively" trading it, that's the only
               | accounts showing up on the analysis. Most of the BTC
               | owners are maxi's - they don't move or use their BTC.
               | Look at a real wallet distrobution and exclude sitoshi's
               | old wallets cause everyone is pretty sure those are lost
               | to the world. BTC distro is ALOT more decentralized than
               | the USD.
        
         | leashless wrote:
         | The problem is climate change.
         | 
         | https://medium.com/humanizing-the-singularity/can-the-world-...
         | 
         | Smart contracts are the best shot we have of doing carbon,
         | methane etc. tracking, managing offsetting payments and
         | everything else required to start getting a grip on the CO2
         | emissions of the consumer economy.
        
           | namdnay wrote:
           | I've got to admire the Chutzpah of claiming that crypto is
           | the solution to climate change... and seriously, why on earth
           | would this sort of tracking need smart contracts rather than
           | say a database managed by a certification organization? Or
           | even the UN?
        
             | er4hn wrote:
             | In case Justin Trudeau's war on truckers prevents you from
             | helping them buy electric cybertrucks. Or you need to do
             | some cap and trade with Russia. You've got to take the
             | internationalist view here.
        
           | jmyeet wrote:
           | This may well be a troll. I really want to believe that it is
           | because the alternative is too depressing. I have a sinking
           | feeling it isn't a troll however. I see so many Crypto Andys
           | who argue for crypto out of unadulterated gross naivete about
           | how anything outside of a very narrow slice of crypto works.
           | 
           | The obvious problem is that crypto is hugely energy
           | inefficient. Bitcoin in particular consumes a ton of energy
           | with PoW (proof-of-work aka proof-of-waste). Defenders will
           | then point to PoS (proof-of-stake) but that creates a
           | different set of problems (eg the computing power for PoW is
           | part of what keeps the network robust whereas PoS is more
           | like a democracy where you get one vote for every $1 you
           | have).
           | 
           | Carbon trading is never going to happen. It's an idea that's
           | been around for at least 30 years. The only people who are
           | interested in it are those who are invested in it. The only
           | thing that will reduce carbon emissions is the alternatives
           | being cheaper. That's it. Absolutely no one is going to even
           | mildly inconvenience themselves otherwise.
           | 
           | And again, any such ideas suffer from the same problem all
           | crypto does: interfacing with the real world. Like how do you
           | agree on the value of something releasing (or potentially
           | sequestering) carbon (or methane or whatever)? It's up for
           | debate. How do you make sure what someone emits is what they
           | claimed to have?
           | 
           | It's a bit like the ivory traders of Hong Kong who magically
           | have never run out of ivory even though the trade was banned
           | and they're only meant to sell existing stocks.
        
             | TrapLord_Rhodo wrote:
             | >whereas PoS is more like a democracy where you get one
             | vote for every $1 you have
             | 
             | Less like this and more of how a company is run in real
             | life. Investor, founder, codebase contributor and early
             | coin buyers have alot of the say in the network... Which
             | actually is exactly how it should be. If you were involved
             | in the creation of the network, you should have a say in
             | it's path forward... So am i missing something or does POS
             | completely invalidate your arguments?
             | 
             | >And again, any such ideas suffer from the same problem all
             | crypto does interfacing with the real world. Like how do
             | you agree on the value of something releasing (or
             | potentially sequestering) carbon (or methane or whatever)?
             | It's up for debate. How do you make sure what someone emits
             | is what they claimed to have?
             | 
             | Same way we do it now... Outside validation. The only thing
             | it would do is make it more resistant to fraud is you can
             | have multiple oracles in an open contract that eveeryone
             | will cry foul over if it. Additionally, some of those
             | oracles can be IOT objects controlling and reporting
             | emissions.
             | 
             | These are all solved problems that you are bringing up, the
             | only thing new here is that smart contracts would allow a
             | number of novel things to be done with carbon credits like
             | swapping them for various assets, more controlled reporting
             | with a fixed standard, greater visibility across the supply
             | chain, etc. etc.
             | 
             | I get he didn't explain himself, but there are smart
             | contracts on !Ink which is POS and eth is trying to
             | transition to POS if they can convince individuals to bet
             | on the concensus change.
        
           | avip wrote:
           | cryptocurrency saving us from climate crisis! no one saw that
           | one coming
        
         | mmaunder wrote:
         | Agreed. I think the Russia situation may be an interesting test
         | to see whether cryptocurrency can be a viable replacement for
         | SWIFT. I don't think it will be because, as you said, it is not
         | extragovernmental, and at some points those funds need to be
         | repatriated. And of course cryptocurrency provides a useful
         | public ledger all the way to repatriation.
        
         | samarama wrote:
        
           | somenewaccount1 wrote:
           | Yes, we have reviewed the white purple yellow paper that's 9
           | inches thick. It was mostly just cat memes.
        
             | samarama wrote:
             | So you're just a troll without any carefully researched
             | knowledge.
        
               | i67vw3 wrote:
               | Most of them know what exactly
               | cryptocurrencies/blockchain are in detail. But usually
               | the negativity comes 'muh climate change' while having
               | 100x carbon footprint than an average individual let's
               | say in El Salvador.
               | 
               | Other point is that a lot of these folks dislike what
               | cryptocurrencies are used for like decentralization,
               | censorship-resistance, financial privacy etc
               | 
               | Then there are those who are still butthurt that they did
               | not buy Bitcoin when it was $100.
        
               | na85 wrote:
               | Then there are those of us who think crypto has lots of
               | theoretical but no actual advantages over cash, while
               | also carrying lots of additional risk.
        
             | anm89 wrote:
             | This really is a very low level of discourse.
        
         | NelsonMinar wrote:
         | Cryptocurrency is the solution for a very valuable problem. How
         | do you commit financial crimes and frauds in a way just new
         | enough to confuse people that what you're doing may be
         | valuable?
        
           | Scoundreller wrote:
           | What about drugs? Cheaper, less middlemen, higher quality,
           | safer delivery. What's not to like?
        
             | joosters wrote:
             | Fewer middlemen? Now to buy from your dealer, you have to
             | go via a marketplace, after converting your real money on
             | an exchange. That's at least two other intermediaries...
        
               | Scoundreller wrote:
               | Your dealer... may just be buying online (and stepping on
               | it).
               | 
               | Depends on what they're supplying. Something locally
               | grown, ok, but overseas labs synthetics can involve a lot
               | of middlemen.
        
           | rvz wrote:
           | Easy. Criminals, extremists and fraudsters use Signal for
           | E2EE communications and MobileCoin (an untraceable, privacy
           | cryptocurrency) to fund it all. [0]
           | 
           | It is what criminals and terrorists are using to make their
           | activities impossible to trace. Got to thank MobileCoin for
           | enabling that.
           | 
           | [0] https://support.signal.org/hc/en-
           | us/articles/360057625692-In...
        
             | nileshtrivedi wrote:
             | MobileCoin whitepaper didn't make any claims about
             | untraceability, AFAIK.
        
               | rvz wrote:
               | What does _' No one except for the sender and receiver
               | can see the details of the transaction.'_ with an
               | encrypted blockchain tell you about MobileCoin's
               | traceability?
        
           | dsco wrote:
           | It could provide as a store and transpiration means of value
           | in times of crisis. For instance some of the Ukrainian banks
           | are now shutdown. If you had crypto you could access your
           | wealth. Same thing applies for Russian citizens who have
           | nothing to do with the war but will soon have their assets
           | frozen. Did you consider all use cases before posting, or
           | just glee at yet another anti crypto post on HN and thought
           | "yay! I get to post something negative about crypto again
           | today"?
        
             | tomgp wrote:
             | didn't bitcoin price take a nose dive when russia invaded?
             | the opposite behaviour than what you'd want from a store of
             | value
        
               | WrtCdEvrydy wrote:
               | Yeah, went from $35,000 each to $39,000... it's about a
               | 8% increase or "nose dive" as you call it.
        
               | mgkimsal wrote:
               | And... 18 hrs prior to being at $35000 it was at.... wait
               | for it... hang on... can you guess... ? $39000.
        
               | NeutronStar wrote:
        
             | scoopertrooper wrote:
             | You realise, if the banks go, so does the internet, right?
             | 
             | https://twitter.com/netblocks/status/1497409488403505153
        
             | phs318u wrote:
             | Assuming ill-intent is not an argument. Engage with the
             | argument. This is HN.
        
             | mirntyfirty wrote:
             | The operative word here is "could". There are a number of
             | pie in the sky benefits of crypto that may be supported by
             | small handfuls of anecdotes that don't and never will
             | generalize to the public at large. When comparing the
             | potential pros to the existing cons, crypto is a gigantic
             | net negative that is being pushed in order to make small
             | pockets of investors very wealthy, nothing more. And yes, I
             | understand the data structures, protocols, and most of the
             | ideological rationalizations used to promote the fantasy.
        
             | arcticbull wrote:
             | > For instance some of the Ukrainian banks are now
             | shutdown. If you had crypto you could access your wealth.
             | 
             | For instance, the Russians were cut off SWIFT. If the
             | oligarchs had crypto, they could access their wealth and
             | render sanctions ineffective.
             | 
             | Believe it or not the Ukrainians are in a war, and currency
             | is not their biggest problem - that would be the tanks, and
             | the bombs and the planes. Once the war resolves, so will
             | their access to money. On the other hand, systems designed
             | to evade sanctions are making that process longer and more
             | painful - and more likely to resolve in the aggressors
             | favor, as the Russians are better capitalized. The Russian
             | people need to feel the pain to pressure their government
             | to end the conflict.
             | 
             | Some pain is good, and so is our ability to inflict it.
        
           | dcolkitt wrote:
           | Keep in mind that "financial crimes" can mean very different
           | things to very different regimes. In Nazi Germany, it was a
           | "financial crime" for Jews to take any wealth with them when
           | they emigrated.
        
             | [deleted]
        
             | Yetioko wrote:
             | Just that normal people don't benefit overall.
             | 
             | If you are for bitcoin and its 'benefits' and you are not
             | someone who is doing tax fraud in a big way, you do not
             | benefit from crypto, you are loosing.
             | 
             | Unreported income is tax money which is missing for
             | schools, infrastructure and co.
             | 
             | It might not be used always efficency but it benefits you
             | more than not having it. It should also be a much higher
             | motivation for everyone of us to stop tax fraud all
             | together instead of complaining about taxes and trying to
             | avoid taxes.
        
             | PragmaticPulp wrote:
             | This idea that cryptocurrency is good because it enables
             | "good" crimes (avoiding unjust oppressive governments) is
             | at odds with the hard facts that cryptocurrency is used for
             | "bad" crimes far more often. Many orders of magnitude more
             | often, in fact.
             | 
             | I just can't buy into these arguments that we should be
             | overlooking these rampant frauds and crimes (like the
             | multi-billion fraud in this article and many more like it)
             | because it might hypothetically enable some oppressed
             | people somewhere in the world to escape some government
             | oppression.
             | 
             | In these hypothetical scenarios, are we supposed to believe
             | that the oppressive governments would just look the other
             | way and let people transfer their wealth into crypto
             | exchanges before fleeing? That would defeat the purpose of
             | the government restrictions, so obviously not. Or are we
             | supposed to believe that they moved all of their wealth
             | into crypto and took it out of exchanges and into private
             | wallets before the oppression? The crypto maximalists would
             | love that because it would drive up crypto prices, but it's
             | not practical in a world where most people have their weath
             | in assets like houses, cars, and diversified investments.
        
               | dcolkitt wrote:
               | > This idea that cryptocurrency is good because it
               | enables "good" crimes (avoiding unjust oppressive
               | governments) is at odds with the hard facts that
               | cryptocurrency is used for "bad" crimes far more often.
               | 
               | The Fifth Amendment is invoked far more often by actual
               | criminals to hide their crimes than people avoiding
               | government oppression. Doesn't mean the Fifth should be
               | abolished.
        
               | vmception wrote:
               | Actually yes assume those things happen and move the
               | oppressive government further down the line to see a pro-
               | crypto absurdity:
               | 
               | Are we supposed to believe that crypto is magically
               | cleaned when the oppressive government seizes it and uses
               | it or resells it? for all purposes right now, thats true
               | and no transaction flagging software is advanced enough
               | to consider that yet.
               | 
               |  _Woah woah that crypto came out of a mixer at some point
               | in time!!! Thats used for "bad" crimes orders of
               | magnitude more than "good crimes", I think...._
               | 
               |  _Oh nevermind, this passed through one of the seoveriegn
               | washer addresses later, all good!"_
        
           | blueprint wrote:
           | This is bullshit. People deserve a way to send money without
           | middlemen and unfortunately that requires a means of
           | attempting censorship resistance or at least consensus within
           | a nearly arbitrarily adversarial network.
        
             | malermeister wrote:
             | > People deserve a way to send money without middlemen
             | 
             | Why? Please don't just make unfounded assertions.
        
               | blueprint wrote:
               | because it crosses the line into censorable speech
        
               | lottin wrote:
               | Payments are not speech. Find a better argument.
        
               | teddyh wrote:
               | The free movement of capital is a long-established right
               | in Europe.
               | 
               | https://en.wikipedia.org/wiki/European_Single_Market#Capi
               | tal
        
               | malermeister wrote:
               | If you read what you linked, you'll find that this only
               | applies for _Euros within the Eurozone, with exceptions
               | for capital controls in place_.
        
               | lottin wrote:
               | That's the European single market. Single market means
               | freedom of movement of goods and services, capital and
               | labour. In other words, it's not just capital. And it
               | applies to a small set of countries which all agree to
               | having a number of common rules and regulations. And it's
               | not without intermediaries.
        
               | neither_color wrote:
               | What's "deserved" is subjective, but I'll bite. People
               | from countries that are fiscally irresponsible and have
               | tight capital controls "deserve" access to an asset that,
               | while volatile, gives them a better hedge than
               | hyperinflation and can't effectively be blocked by their
               | dysfunctional government. See Zimbabwe, Venezuela, and
               | citizens of any country that has a black market exchange
               | rate for dollars/euros(Argentina, Lebanon, Turkey). You
               | could make the case that this is something for
               | international organizations like the UN/IMF to solve,
               | but, they don't on any timescale that's meaningful to the
               | person whose weekly paycheck buys less bread every week.
               | They already have access to the same information and
               | websites we do(with a VPN), accessing a globally
               | distributed and decentralized ledger is as fundamental as
               | their right to access twitter/facebook.
               | 
               | Americans and Europeans have very limited experience with
               | hyperinflation and volatile currencies, plus we have
               | robust banking/fin-tech sectors so of course we're more
               | prone to scoff at the problems cryptos _will_ solve.
        
               | malermeister wrote:
               | Are you sure crypto will solve the problem of _volatile
               | currencies_? BTC crashes on around a yearly basis [0], it
               | 's to find any currency more volatile than that.
               | 
               | [0] https://www.yahoo.com/video/7-biggest-bitcoin-
               | crashes-histor...
        
             | Yetioko wrote:
             | Your logic doesn't make sense.
             | 
             | You are part of a system like a country. You are part of
             | that country and the country acts on your behalf.
             | 
             | IF there is a good reason that the state only allows
             | sending money after certain criteria are met, its for the
             | good of the country (normal countries, not corrupt ones).
             | 
             | Then the country and its laws has the right to reduce that
             | freedom.
             | 
             | You might believe in the republic idea of everyone for
             | him/herself but studies also show that for normal earning
             | people, this is not helping them at all.
             | 
             | Its not a global basic right to 'deserve a way to send
             | money without middleman'. I'm not even allowed to just move
             | to another country. I'm in one way or another imprisoned in
             | my birth country.
        
               | blueprint wrote:
               | I'm not the property of a government. And please show me
               | where rights are granted to governments and by who and
               | for what basic purpose.
               | 
               | And it's not always about govs.
               | 
               | You may be imprisoned. but dont imprison others with your
               | assumptions
        
           | notabotyet wrote:
           | I do thousands of transactions with thousands of people every
           | day without committing financial crimes and without paying
           | any fees. It's extremely valuable to my businesses.
           | 
           | Wrenches can be used as weapons but they are also essential
           | for plumbers.
        
             | dymk wrote:
             | It's more that you found a legitimate use for Agent Orange.
        
               | 542458 wrote:
               | Fun fact (and not to detract from your allegory), agent
               | orange was widely used by Ontario Hydro from the fifties
               | to late seventies to clear trees from around power lines.
               | The people handling it weren't really well-informed of
               | what exactly it was or how dangerous it was, so there
               | have been a number of lawsuits. I have an uncle who
               | recalls being jokingly hosed down with the stuff on a hot
               | day by a guy working a sprayer in the back of a truck.
               | Whoops.
               | 
               | https://www.cbc.ca/amp/1.1048075
        
             | petenick wrote:
             | Curious - what is your use case?
        
               | [deleted]
        
               | arcticbull wrote:
               | Folks tend not to answer this question because they know
               | it's not a good one.
               | 
               | Let's take bitpay, probably the largest and oldest
               | merchant processing system for crypto transactions. They
               | publish stats. [1]
               | 
               | - 40% of all of their transactions globally are for
               | prepaid gift cards.
               | 
               | - 20% of all of their transactions globally are for
               | "internet."
               | 
               | - 14% of all of their transactions globally are for
               | "vpn."
               | 
               | So 75% of all of their transactions globally are for
               | merchant categories closely associated with fraud. And
               | the reason is obvious: it's slower, more expensive and
               | less convenient than using a credit or debit card. So it
               | self-selects.
               | 
               | Folks who "find a way to make it work" are usually
               | ideological, in crypto (i.e. found other people who don't
               | care that it's impractical or criminal) or have otherwise
               | found ways of "processing crypto transactions" (i.e.
               | using bitpay where the merchants do not receive crypto
               | because of course they don't why would they).
               | 
               | [1] https://bitpay.com/stats/
        
             | Cthulhu_ wrote:
             | And fiat money can be used to deal drugs.
             | 
             | I mean I don't defend crypto, the way things are going is
             | that they'll be just as regulated and centralized as
             | digital fiat is, and a lot of it is people getting rich, or
             | hoping to - I mean I'm one of those people, still waiting
             | for my handful of dogecoin to go up 10.000% so I can
             | retire. But I also have a regular job, regular savings, and
             | regular stonks because savings account interest is a joke.
        
               | tenuousemphasis wrote:
               | The exchanges can be regulated, but good luck trying to
               | regulate a global peer to peer network!
        
               | jonathankoren wrote:
               | You just need to regulate the end points. At some point,
               | someone needs real money instead of robux.
        
               | NeutronStar wrote:
        
               | pid-1 wrote:
               | Look at bittorrent. While it's impossible to kill it,
               | targeting agregation platforms definitely made the
               | protocol immensely less relevant than it was 20 years
               | ago.
        
               | dwaite wrote:
               | Seems like a mix of port blocks and criminal penalties,
               | while not killing cryptocurrency, would greatly hinder
               | its overall utility and thus any associated fiscal value.
        
             | [deleted]
        
             | rvz wrote:
             | What these critics don't tell you is that the transactions
             | of these cryptocurrencies are traceable and transparent
             | making the majority of many cryptocurrencies pointless to
             | use for 'committing financial crimes'.
             | 
             | Otherwise, why do you think that these criminals are
             | turning to privacy coins like Monero and MobileCoin, etc?
        
           | deutschewelle wrote:
           | What exactly is the valuable problem you are thinking in your
           | head and how is it better solved by cryptocurrency and
           | blockchain that can't already be done with existing methods,
           | technologies and contractual agreements backed by various
           | international treaties and dialectic tests for loopholes
           | through thousands and thousands of years trading between
           | countries, provinces, cities and entities?
        
             | [deleted]
        
             | jayd16 wrote:
             | Read past the first sentence. Comment is tongue in cheek.
        
       | ssijak wrote:
       | whatsaaaaa whatsaaaaaaappp!!!
       | 
       | one of the craziest public performances I have ever seen. and
       | people fell for it. mind boggling.
        
       | kosasbest wrote:
       | Why do people trust middlemen to handle their crypto in a safe
       | manner? The whole idea behind crypto is that it's decentralized.
       | Interacting with exchanges, investment platforms, etc is asking
       | for trouble. Assume any exchange is another MtGox waiting to
       | happen. Assume you no longer own your funds once you interact
       | with any crypto platform. Fraud is rampant in the crypto scene
       | and has been since the beginning. And for those crying 'But
       | Coinbase!'. I don't trust them either. Coinbase must have a
       | really hard time sleeping knowing they're the custodians /
       | middlemen of so much wealth.
        
         | twblalock wrote:
         | For the same reason people use banks and brokerages -- it's
         | easy.
         | 
         | There are also significant risks to managing your own crypto:
         | managing wallet security is not trivial, people have lost money
         | because they lost their passwords etc. There is a staggering
         | amount of scams to avoid.
         | 
         | The level of complexity and risk inherent in self-managing
         | crypto is just too much to expect from the general public.
        
         | hn_throwaway_99 wrote:
         | While I agree with the premise of not _leaving_ crypto in
         | online wallets, at this point it 's absurd to think you can
         | interact with crypto without interacting with exchanges. Very,
         | very, very few people are _paid_ in crypto, and still very few
         | (legitimate) merchants actually _accepts_ crypto as the final
         | form of payment for goods, so if you actually want to use
         | crypto as, you know, money, at some point you 'll be dealing
         | with an exchange.
        
         | [deleted]
        
         | nikanj wrote:
         | For a lot of people, running your own node is technobabble.
         | They see the billboard, install the app, and hope they are
         | going to get rich - quick!
        
         | Tenoke wrote:
         | The biggest part is for onboarding. The second biggest is for
         | lower fees. The third biggest is because it's easier.
        
           | lolinder wrote:
           | And all three of those parts are why the crypto dream of
           | decentralized payments for all will never come to fruition.
           | It is simply not possible for a decentralized system to have
           | the same convenience and low cost as a centralized system. In
           | the end, any decentralized system will tend to have a
           | centralized layer built on top of it that eventually makes
           | the underlying decentralized system obsolete.
           | 
           | We see this everywhere: in Web 2.0, in Apple's walled garden,
           | in Canonical's dominance in the desktop Linux space, and in
           | the political history of basically any country you can name.
           | Even most people who in theory support decentralization end
           | up in practice choosing the centralized system every time.
        
             | Tenoke wrote:
             | I don't see the issue. Plenty of things exist and are
             | useful without being convenient for Joe sixpack to use
             | directly.
        
           | ziml77 wrote:
           | Fees are why I haven't moved my ETH after using an exchange
           | to buy some for USD. I don't want to pay the stupidly high
           | costs to move the ETH into a wallet that I fully control.
           | Especially because turning that back to USD so it's actually
           | usable in day-to-day transactions would require paying yet
           | more fees to move the ETH back to an exchange (or to an
           | independent buyer).
        
             | trotro wrote:
             | Have you had a look at gas prices recently? A transfer
             | costs between 1$ and 2$ depending on the time of the day.
             | It's still much higher than it should be, and let's hope
             | that will change soon with the merge and L2 adoption, but
             | that's not what I would call _stupidly high costs to move
             | the ETH_.
        
               | ziml77 wrote:
               | I hadn't checked recently. If they're that low then I'm
               | going to pull the coins out now.
        
               | Tenoke wrote:
               | A single transfer for ETH maybe but that's also in part
               | because ETH price is low. If you want to move erc20s it
               | costs significantly more And if your portfolio includes
               | many projects it is unseemly. Also a lot of exchanges or
               | at least the biggest one - Binance - have higher withdraw
               | fees in part because they must make multiple transactions
               | to send your money out.
        
       | FlyNestor wrote:
       | The Bitconnect Coin was among the world's most successful
       | cryptocurrency token until its price collapsed.
       | 
       | So you have to be quick if you want to ride the wave of a
       | scamcoin
        
         | ziml77 wrote:
         | Not untrue. If you're quick to get in and time your exit right,
         | you can make some seriously good money. Basically leveraging
         | someone else's scam to scam people yourself.
        
         | adam_arthur wrote:
         | Early adopters tend to make out big if they time the sell
         | right... Just like any ponzi scheme
        
       | bredren wrote:
       | > "Today's indictment reiterates the FBI's commitment to
       | identifying and addressing bad actors defrauding investors and
       | sullying the ability of legitimate entrepreneurs to innovate
       | within the emergent cryptocurrency space," said Special Agent in
       | Charge Eric B. Smith of the FBI's Cleveland Field Office.
       | 
       | I found this notable. The messaging is clear: the DoJ supports
       | crypto within whatever the current legal framework is.
        
       | bondarchuk wrote:
        
         | DonHopkins wrote:
         | Funny how both "Cryptocurrency Derangement Syndrome" and "Trump
         | Derangement Syndrome" are both un-ironically used to describe
         | critical people who are strongly against both of those scams,
         | when they much more accurately describe gullible people who are
         | deeply fooled by both of those scams.
        
       | helsinkiandrew wrote:
       | Interesting that there is no mention that he has been charged of
       | being involved in a Ponzi scheme in the headline - just
       | "Cryptocurrency Scheme".
        
         | space_rock wrote:
         | Is there a cryptocurrency token sale that's not designed to
         | defraud the buyers?
        
           | xiphias2 wrote:
           | Yes, Blockstream has a token that represents Bitcoin miner
           | shares.
           | 
           | The most important thing is to wait until the token is
           | registered by SEC, so far all scam tokens skipped that step.
        
           | capableweb wrote:
           | There are a couple of "token sales" (they don't call them
           | that) that only allowed accredited investors to invest, and
           | had their "token sales" registered with the SEC before they
           | went live with them. If those were designed to defraud the
           | investors, I'm pretty sure SEC would go after those first.
        
             | space_rock wrote:
             | Yep. It comes down to information asymmetry. Harder to
             | trick and scam accredited investors
             | 
             | Most token sales make good money with very low effort scams
        
               | xiphias2 wrote:
               | Sadly a lot of token sales were pump and dumps through
               | VCs, so even this is not true. SEC registering looks like
               | a better filter for now.
        
             | wmf wrote:
             | Of course, any SEC-registered token probably won't be
             | allowed to do anything interesting so there's no point in
             | investing.
        
         | mikeyouse wrote:
         | It'd be tricky to define criminal criteria based solely on
         | running a Ponzi scheme so there isn't a "USC Section #" crime
         | called "Ponzi Scheming". They just charge the various illegal
         | parts of the scheme separately. His charges:
         | 
         | Conspiracy to Commit Wire Fraud--Title 18, U.S.C., Section 1349
         | 
         | Maximum penalty: Twenty years in prison, forfeiture,
         | restitution, and $250,000 fine
         | 
         | Wire Fraud--Title 18, U.S.C., Section 1343
         | 
         | Maximum penalty: Twenty years in prison, forfeiture,
         | restitution, and $250,000 fine
         | 
         | Conspiracy--Title 18, U.S.C., Section 371
         | 
         | Maximum penalty: Five years in prison, and $250,000 fine
         | 
         | Operation of Unlicensed Money Transmitting Business--Title 18,
         | U.S.C., Section 1960
         | 
         | Maximum penalty: Five years in prison, forfeiture, and $250,000
         | fine
         | 
         | Money Laundering Conspiracy--Title 18, U.S.C., Section 1956(h)
         | 
         | Maximum penalty: Twenty years in prison, forfeiture, and
         | $250,000 fine
         | 
         | https://www.justice.gov/usao-sdca/pr/founder-fraudulent-cryp...
        
       | DonHopkins wrote:
       | Meanwhile in other news, water is wet, the sky is blue, Putin is
       | a tyrant with blood on his hands, and I'm SHOCKED, SHOCKED to
       | find that GAMBLING is going on in here!
       | 
       | https://www.youtube.com/watch?v=SjbPi00k_ME
        
         | bogwog wrote:
         | You're so ignorant. It isn't gambling, it's grass-roots
         | investing to disrupt the centralized financial system owned by
         | the government that's trying to inject you with a microchip
         | under the guise of stopping a scamdemic, just like they did to
         | the frogs (which are all gay now)
         | 
         | If the US constitution was originally minted as an NFT, none of
         | this would be necessary.
        
           | er4hn wrote:
           | You had me in the first half, I'm not gonna lie.
           | 
           | Considering how immutable many consider the US constitution
           | to be, it really should be an NFT for them!
        
           | malermeister wrote:
           | Man Poe's Law strikes hard here
        
       | beiller wrote:
       | Bitcoin is like bit torrent. A technology that has legitimate use
       | cases in theory, even can be really truly useful tech, but is
       | used mostly for shady things.
        
         | swinglock wrote:
         | BitConnect is crypto, not Bitcoin.
        
           | lawn wrote:
           | Bitconnect isn't even a real crypto.
        
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