Many of us envisioned a world where decentralized cryptos completely obliterate banks and central banks, but I'm afraid reality is far more complex than that.

Another major financial crisis may bring this vision to reality, but I wouldn't hold my breath. The powers that be have managed to keep the financial system in one place for this long, and they may be able to keep it from collapsing for another decade or two for all we know.

I always hated Ripple and I never touched it even though great gains could have been had. Ripple is in direct opposition to the ethos of bitcoin and I will stay away from it no matter how high it goes!!

/end of rant.