he mocked me saying it was dumb even though he’s pretty decent at tech stuff.
Common for tech people - they look at the technology of it and say "there is already better (centralized) solutions". But they don't understand the finance side. Finance people say, there is already better financial tools, but don't understand the technical side.
Good for the people who convince the fools to piss their finances away but bad for the poor saps who don’t realize they need to get their shit together before it’s too late.
Distribute wealth evenly and a few years later, the same people who are rich now, will be rich again.
It must be a hard life to live always scrounging, forever.