If you have yet to get swept up in the wave of cryptocurrency investments, you are not alone. While it may seem that bitcoins and ethereum are making millionaires out of early-adopters, there is much to understand about the individual risks of buying digital currencies and the potential dangers cryptocurrency poses to our economic system as well as the environment. We speak with John Beccia, co-founder and CEO of FS Vector, and Hilary J. Allen, author of “Driverless Finance,” about fintech, cryptocurrency, and the importance of regulation.