@hotassyoga, you're right... but we're also in an emerging field, so skepticism is natural. There was a time when the world thought horseless carriages "would never catch on."

I have never taken the approach of calling fractional reserve banking a "scam," because it gets people's hackles up... and then their minds close to anything I have to say. Instead, I ask them to "explain money" to me... and gently guide them through a journey of "discovery" in which THEY get to conclude that a $100 bill is worth about 2c of ink and paper aside from this idea that we "believe" it is worth something. I don't even *mention" Steem or BTC... I go directly to people in Africa (I lived in Kenya, as a kid) using cowries as money. Which they have done for hundreds of years. Then, and only then do we get to the idea that money is merely a "temporary store of value" and money can be anything from engravings of Ben Franklin to Cowries to electronic tokens known as Steem.

It's time consuming, and I only "bother" with people I believe would genuinely enjoy it here, and would be assets to the community.