I'm somewhat of a late adopter for crypto. In fact, coming from a more traditional financial route historically (think forex, futures, options etc), I have been a natural skeptic of crypto. Perhaps not necessarily the actual concept itself, but moreso the hysteria I saw around it reminded me of the dot com bubble, the GFC, and if you're familiar with it, the tulip bubble in Holland.

That said, I believe the traditional banking system i.e reserve fractional banking is abhorrent. In fact it is one of the few ideas I can think of that is like a government-backed scam to the masses. Perhaps the only concept in history that has allowed institutions to get away with fraud on such a grand basis.

It's good to get an overview of the potential future of crypto in this.