Agreed, centralized exchanges scare me. I narrowly escaped being caught by the Bitfinex hack, and live in fear of the day Polo gets hit. Current decentralized alternatives like OpenLedger haven't matured enough to be completely viable alternatives, so looking forward to seeing more development in this area. If you don't mind my asking, could you do a short ELI5 of the benefits of investing in Iconomi? Is it the platform on which the Crypto Index Fund you are talking about will be offered? I learned about the crowdsale late and am now pondering whether or not to get in on the action in the final couple days.