crypto currencies, or let's say, bitcoin combined with etherium, integrate money as both a payment system and a contract system. Here in developed countries an the west, whatever gripes you and i may have about the fees that intermediaries charge,. there is a system, and it works most of the time. But part of the reason we've achieved so much prosperity is because of the viability of the financial system. That's why, if you go to any a market where there is a decent inagh financial system, there is a high living standard.

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