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Let's talk about the evergreen meme that while cryptocoins are certainly a useless speculative bubble, "the blockchain" is a revolutionary technology that will improve the financial system. (1/)
You see this clain basically every Bloomberg or New York Times article. The problem with this claim is that it's short on any specific goals, details or mechanism. What exactly will it change? (2/)
It's especially common to hear this meme repeated by residents of the United States where retail banking and payments are perhaps 20 years behind the rest of developed economies. In fact many developing economies are more advanced at this point. (3/)