You could have a PhD but keep quiet about it.

I'm certain when she's at the grocery store or the post office, she doesn't tell everyone she has a PhD. However, in her job, and in testimony before Congress that seems relevant:

"My name is Neha Narula and I am the Director of the Digital Currency Initiative at the Massachusetts Institute of Technology. We are a research group based within the MIT Media Lab focusing on cryptocurrency and digital currency design and implementation, addressing challenges in security, scalability, and privacy. I have taught five graduate cryptocurrency courses across departments at MIT and during the course of my PhD work I conducted research in MIT’s Computer Science and Artificial Intelligence Laboratory on databases and distributed systems."