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However, times have changed. People grew tired of just keeping cash saved away. Stock markets appeared, turning economics into a business. Well-known investors, like Warren Buffett, who recently retired, taught new people how to make deals. More openness in business led to some of the best-run companies in the world.

Now, artificial intelligence and huge databases are making things seem routine again. Computers have become so skilled that many areas of trading are now dominated by automated systems. These systems can make decisions and trades in fractions of a second.

Still, rules and regulations have left some room for trading between people. Companies whose shares are sold to the public aren't entirely transparent. They release their financial reports only every three months, which adds a level of risk that investors can trade on.

As a result, investors looked for new opportunities and found cryptocurrency. It's an area with potential for big gains, where people can succeed or fail based on their own efforts and choices.

A key problem that has led to many legal troubles isn't about the complex math behind crypto. It's that people work to earn money, like US dollars. When they invest this money, they hope for a reasonable profit. No matter how an investment is created, losing the money people worked hard for is always wrong, and sometimes it's against the law. The economy works best when work leads to products and services, not just to taking chances. Every bit of risk taken can mean a loss for the overall economy. Losses are not earnings, and people don't pay income tax on them.

Often, experienced investors make money from those who are new to investing. If a market takes time to learn, newcomers will likely lose money at first. This cost of learning is like a barrier to entry, or a "license", that keeps the market going. This is true not only for crypto but also for many traditional markets for complex investments. Because of this, governments usually regulate these industries heavily to make sure new investors understand the risks beforehand. When trading is based on the real current value of something, logical decisions can help. But when the timing of when something is valued becomes the question, special knowledge is the key to success.

If a market doesn't require learning, it means experienced investors don't have an advantage. This is called gambling, and this type of business is also strictly regulated. Rules against insider trading often protect existing investments from being unfairly taken over by others with no merit.

So why do many people see crypto founders as heroes? The market is generally smart. If many people want a certain product, it usually means there's a problem or something missing in how the economy is working. The popularity of things like Bitcoin or $TRUMP sends a strong message. It means some people would rather buy almost anything than hold onto their dollars. Often, this is about choosing to own a fixed part of something uncertain instead of a part of something with unpredictable leadership or hiring.

The answers can be found in the writings of economists who describe how the economy is shaped. When people lose jobs, the government loses income tax revenue. So, governments following fiscal policies often go into debt themselves to keep people employed and spending money (living a life). Central banks try to protect the interests of large investors and high earners by preventing their investments from changing value too much. Investment banks and dealers of monetary policies help keep money flowing and balance out trade differences, so that money invested in things like energy, concrete, or steel goes where it will be most profitable. High interest rates can sometimes discourage spending on weapons or long wars, forcing the economy to focus on things that provide quick returns.

Digital currencies might offer better ways to move money or create products that central banks ignore. However, the opposite can also happen. If companies start or stop accepting these digital assets for big purchases like cars or houses, it affects their value. If the same group of crypto assets is chasing fewer available products, their value will drop compared to the official income tax currency.

This brings us back to the issue of using hard-earned money to buy such unpredictable assets. The discussion will always be about controlling the use of cryptocurrencies for everyday purchases. At the same time, there's an argument for allowing wealthy and talented people to use them for big projects, whether for bookkeeping, accounting, or just tracking their popularity. The crypto market offers another way, besides central banks, to manage the supply of the currency used for taxes.

Governments want to protect basic rights and services, which are often judged by whether they are available to everyone. Policies that can be applied to everyone equally often become protected by law. Politicians are less likely to be re-elected if people can easily lose the money they earned through hard work. This situation can also make the workforce less productive, allowing others to take control of those assets.

There are arguments for the benefits of digital assets. Many industries could gain from the detailed record-keeping that digital assets allow. For example, pharmaceutical and health insurance companies often have to pass on the high costs of new medicine research to customers in the first few years due to generally accepted accounting standards. This makes these specific medicines seem very expensive for individual health plans but then very cheap as generic versions later, which can risk their quality. The situation changes if a service or medicine can be offered to everyone. Digital assets could help track the financial details of different parts of research. Insurance companies might find it easier to manage small risks if there's an equal budget for everyone's healthcare spending. If digital assets can track the specific challenges and costs, like assigning one nurse to a single patient instead of to ten others with different more beneign illnesses, managing these smaller risks could lead to better universal health coverage.

These ideas are important for those who want to understand and encourage future growth. Different types of investments are suited for money earned in different ways - whether through time, work, or creativity. Each way of earning comes with a different willingness to take risks, much like banks match the interest rates for the money they hold and the money they lend. When there's a demand for things like cryptocurrencies, it signals real opportunities, but only if you understand them and use the right kinds of financial tools. The law generally does a good job of protecting wealthy individuals from being tricked into risky investments. The law should also protect everyday people from being drawn into schemes, misleading entertainment, divisive information, group harassment, and gambling products offered by shady online businesses, casinos, hacker groups, and those involved in diplomatic sabotage. Informed citizens embracing growth should not just rely on these traditional financial institutions, but they should understand the system, and actively participate in the discussion and trade.