Honestly this is probably one of the biggest problems for mainstream adoption. Decentralization demands that everyone is responsible and accountable for their own actions. Most people are not.
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I do not think this point can be disputed whatsoever.
Most people, at least in the developed countries, are not responsible whatsoever. They are reared in a system where the indoctrination is they "deserve" everything. It is like that old commercial about being up to the eyeballs in debt.
To keep up with the Jonses is expensive. Yet people try to do it then blame whomever when they are broke.
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