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RE: # 11 - Sacagawea Dollars
That's the big thing standing in the way for crypto. It depends entirely on you to keep it secure, not a bank or some other entity. It is very, very easy to lose huge sums of money if you are not careful, not only to theft but by losing your keys/password, not making backups, or just by accidentally typing a wrong number. Until there are very convenient ways to take care of these things, crypto will not achieve mainstream success. Convenience cannot be underestimated.