Hey there I love your attitude its great, I dont profess to be an expert on anything, but I do believe I have good instincts.
And my gut feeling is telling me that cryptos are created by the hidden hand.
It the Hegelian Dialectic, the chip that everyone is worried about does not need to be installed, check our my bitcoin video and see the over reaction they did on the poor Silkroad kid..
Let me know your thoughts as I to want to learn and together humanity can do anything.