"Does anybody really believe that, having fully understood the choice they face, any individual would choose to save in a self-referentially mispriced toxic loan rather than a provably sound digital bearer asset? Or, more simply still, that they will think it makes less sense to hold money that is a pure asset than money that is literally defined as a liability? Why not opt into a financial system that is built on trustless verifiability rather than unverifiable trust?" - Allen Farrington