Distributed computing plus cryptography is only available to the top one or two % of developers. If those folks can do it, the challenge is getting them to quit their jobs and convincing them that this is important enough. It takes a week to learn rust. Or you might not even have to, because there's already enough reference implementations for whatever permutation of lending, protical, dfy, an f t market place that you want to do. Yetb like em its.