> To dismiss something as 'meaningless utopianism' just because it doesn't agree with your personal experience is incredibly naive and shortsighted.
I'm not. That phrase "Smart contracts allowing for autonomous organisations might well be the first time a species is organising itself without a central entity." is ridiculous.
Plenty of organisms organise between individuals without a centralised entity. Look at, for example, Stromatolites, which have been formed by self-organising bacterial colonies for around 3.5 billion years.
> There are plenty of legitimate reasons for wanting a decentralised alternative to banking.
There are a few, but those edge cases do not add up to it being "inevitable that everything in banking/finance will move to a decentralized model". And they don't outweigh the services and capabilities of the bank-mediated model for me, or I imagine many others.
When was the last time the bank froze your assets at the command of the government? I don't imagine it's even on the radar for most folks.
I'm not. That phrase "Smart contracts allowing for autonomous organisations might well be the first time a species is organising itself without a central entity." is ridiculous.
Plenty of organisms organise between individuals without a centralised entity. Look at, for example, Stromatolites, which have been formed by self-organising bacterial colonies for around 3.5 billion years.
> There are plenty of legitimate reasons for wanting a decentralised alternative to banking.
There are a few, but those edge cases do not add up to it being "inevitable that everything in banking/finance will move to a decentralized model". And they don't outweigh the services and capabilities of the bank-mediated model for me, or I imagine many others.
When was the last time the bank froze your assets at the command of the government? I don't imagine it's even on the radar for most folks.