We had the 2008 financial market crash, which was caused by fancy financial products that people didn't really understand. They just saw a big number - "I can afford a new house now" - and when it got into really deep problems, people lost everything.
Fancy financial products are dangerous because people don't understand them.
People could lose everything.
And so some people don't believe tokens are a good idea in fear of replicating these bad movements all over again.
Whilst most of us aren't collectors, physical or digital, the idea of spending big money on digital tokens could have many uses, including buying a property.
Buying a house is complicated, especially in the UK.
It's not just a matter of being able to afford it but also committing to that cash being tied up.
When you have a mortgage, your home ownership is split between you and the bank.
But the idea of tokens is that this idea can be broken down into any number of pieces.
That means you could have any number of owners.
It should also offer some flexibility for you to be able to buy and sell parts of your house if you want to.
It's already happening in some places
including New York and Dubai.
In England and Wales, the Land Registry has been looking at the idea.
They've been running a couple of prototypes since 2019 to see if technology in the UK could enable this.
It is believed that it will open up opportunities for home ownership, and equally, opens up lending opportunities.
And with increased opportunities comes wider competition.
At the moment, the entry into the property market is rather high in terms of lending, so this move will help to lower those market entry prices to allow more people access to buy.
The government would have to issue such tokens for assurance and guarantee.
The proof of concept ran in 2019 and proved that technically, it would work.
It would bring the property buying time frame down from months to weeks.
However it will be done, it has to be done in a way so that everyone can consume it without having to understand what Blockchain or tokenisation is.
The idea of owning a home which is financially shared with strangers might sound daunting, but it's all about setting things up in the right way.
Home owners should have the ability to own their own home.
There's a long way to go for both buyers and sellers in order to include such digitalisation, but the appeal is there and the concept's momentum is picking up speed.
