I kinda enjoy the anonymity of crypto myself. Cracking down on certain ones seems like decentralization and the government seems alright with the usd which funds global crime!
I always hold some Monero because I like gpu-mined coins and know a scare in the kyc coin regulation at some point will make Defoe a huge spike in value for monero and dash. Zcash has too much inflation to hold any value for me.
It is a shame but it is what it is I suppose.
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I like your contingency plan.