@brianlewis, I love this question. Short answer: Trust. When I go to the bank and given them my money, I have faith they are going to give me my money back when I want it. There is no guarantee they will...but the current system has established that I can trust the bank. However, with crypto, if I deposit value into crypto currency, I can trust that I will get back what I put in, because the system is obligated to distribute the value. What I want to know, is how do we stabilize the system?