This article could easily be about me. Many of the points about risk resonate.
No, I don't have any crypto. More this: And this: And also this: Decentralized banking, trustless systems, great. I don't care about that. I need a store of value that I can't mess up because, unbeknownst to me, my computer has a virus that recognizes when a bitcoin address is copied and replaces it with a third party's address. I mean, paper wallets? I haven't owned a printer in fifteen years.It is becoming apparent that the policies, systems, fees and regulations that we vehemently rebel against exist for a reason. They can subsidize refunds for fraudulent transactions. They can shut down accounts. They can protect innocent ignorants from being scammed.
A more diverse population of users demands a more diverse population of custody solutions. It demands a more diverse talent pool to build these products, help people understand the blockchain and help the blockchain understand people.
We need products that optimize for ease-of-use over advanced features. We need third-party funds with insurance that hold and grow your investments. We need multi-factor solutions that target traditional businesses and can work within their established accounting practices. We need systems for transparency for ICOs and charities. We need teams that focus on ultra-private solutions for those in high-risk situations, or simply value control above all else.