• I think the name cryptocurrency has become unfortunate but clearly they are currencies can be used for some purposes sometimes black or gray market purposes, but I don’t think fundamentally that’s what they are.
• It’s more of a unified development and that’s a way to think about it rather than thinking of them as currencies.
• Cowen: You know, I think as a profession we will regret having missed the boat, but I’m not sure like any particular individual is going to be worse off, but I think it’s a sign that we’re not sufficiently in touch with actual innovations.

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