I agree with all of this. I started my own currency 5-6 years ago. www.tetla.org -- Its not a crypto currency, but it is now available in electronic format so that it can trade with other currencies online. It's at www.tetla.org for more info. There's articles on there that are linked to that show the news reporting on our work. I thought, based on what you've written here that you would be interested in checking it out. Cheers!