@davidhay I think I share the same view as you. To me this seems so practical and useful, but everyone seems afraid of it, thinking its some sort of scam. Personally I don't quite understand why everyone is so afraid of it, but I do know that many who are afraid, are much much much much more knowledgeable on the cryptocurrency space than I am. I just don't know enough and for me if I don't know , I don't take the risk. May I ask if you're invested in it at all? Other than the few points outlines in your article what else is so scary about this? Those points don't scream out to me scam, but only mildly hint at it. Why is everyone so afraid of this?