squeevey

squeevey t1_iyde58x wrote

An decentralized ledger can matter, especially for systems that are inherently distrustful.

The issue is that people are quick to trust. The problem is that TRUST is what got us a lot of issues in 2008. We trusted banks were doing their due diligence. So then blockchain comes along to be decentralized ledger of transactions to be verified independently.

The blockchain is sound, even Etheruem smart contracts have value. The GIANT GLARING PROBLEM - people did not VERIFY the different contracts to make sure the were doing the CORRECT thing. It needs code review.

Fundamentally, sure there's no need for blockchain if you're keen on trusting systems – and for private companies like IBM, yeah I trust em enough so there's no need for this to be on chain.


Here is a FANTASTIC article about the state of crypto in general and how it relates to the current finance system. Warning it is 40K words. But man is it good.

https://www.bloomberg.com/features/2022-the-crypto-story/

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squeevey t1_irg8reg wrote

Well, some were already saving regularly in preparation to purchase a house when housing prices skyrocketed. So it didn't seem prudent make rushed purchases, especially when you didn't have the EXTRA cash (on top of the down payment) to go above your proposed house price.

Some people are sitting on cash at the moment, waiting for the right time.

My point though is that with ANY compound interest chart, the chart only represents the LOAN you took, not necessarily the price of the house.

You may be able to afford 300,000 house when you chop $50K off the principle. It's all about how the various maths work for your specific situation.

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