I don't see any wrong in what he says. So, crypto is designed for a future where all the institutional banking fails and where political borders don't exist and where no transparency is required. All that it offers is less fee and speed. First of all such future dreamed by the cypto pundits doesn't exist. And many people don't mind paying a little commission to a bank doing my payment, so that they can call the bank and hold it accountable. All this is taken away in the crypto model just for the sake of avoiding a small fee and delay. How many times does an average person transacts across border for which their fiat currency doesn't work or too difficult to use? crypto has too little to offer at the cost of enabling crime and lack of transparency. Why all this is so difficult to understand for these crypto geniuses?