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Crypto might be useful in some unique, tumultuous circumstances, such as living in a sanctioned or failed state where the official economy barely functions. (Even in such places, you'd be surprised to see that the cell phone network still works, and cheap Chinese Android phones are a dime a dozen.) But that's not enough to overhaul the whole financial system.

From Bari's questions as moderator, I think she shares my crypto-agnosticism if not outright skepticism.

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