Is there any sign of a crypto currency that people want to use? Libra is an unregulated, centralized bank account that hides behind a blockchain. I still think it might succeed on social effects if it allows e.g. organizing betting pools and paying out without Libra backers getting their hands dirty—if anyone can sell that it’s Facebook, a reliable social institution, for better or worse. But generally there’s no strategy for luring people into the market and away from cash or cards.