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RE: The Million-to-Billion Club
I can only speak for my soon to be 81 year old mom who enthusiastically invested in bitshares yesterday and is also interested in Hero. to quote her, "I'm sick of paying a bank to hold my money at least with this there is a chance for some growth before I die." The general public may be more hungry for this than anyone imagined.
I fear they are a lot more resistant to change than your mom is, however. My mom won't even look at Steemit, because "it's too complicated". No problem with Reddit though, just problems with change.