Trusted third parties are security holes. To try to fix them without advanced computer science & copious computational resources, they inevitably end up being obsessed about governance. That's the layman's best clue that they are dealing with an insecure protocol.https://twitter.com/nlw/status/1151553014307704837 …
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The secure protocols you describe that I'm aware of are BitTorrent, Bitcoin, and some encrypted chat protocols. Any others?
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The fiat onramps are the neck of bitcoin where the State can and is effectively putting its boot. Taking "hodling" too far prevents a circular bitcoin economy where we can pay and get paid in bitcoin, which would mitigate dependence on fiat.
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