&quot;As you point out, it&#x27;s the human factor that&#x27;s generally the problem. I doubt we&#x27;ll ever see a better illustration there than the current situation with Bitcoin. &quot;<p>BOOM! Now you&#x27;re seeing what I&#x27;m talking about. Regardless of the tech, it ends up coming down to the people controlling key companies, organizations, or code. Plus the legal system. So, I prefer just fixing that angle on a centralized system run by mutually-suspicious parties with open verification and incentives aligned right way.<p>&quot;instead to foster a biological-style heterogeneity of systems, all of which we can opt in&#x2F;out of on a dynamic basis based upon their various objective properties and our risk model versus requirements (==motives).&quot;<p>That&#x27;s a good idea. I&#x27;d push several good ones if they were available. Preferably they&#x27;d be really different from one another to maximize the diversity benefit. Another angle on that is to derive the currency value from a set of high-value or stable commodities. That was what high-assurance engineer Clive Robinson pushed for as an alternative to either gold or our currency. Turns out, there&#x27;s an altcoin company doing exactly that. Can&#x27;t recall the name.