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And it worked! Reading this and reading HN comments I realize I don't want the SEC involved in this. Crypto is more & more bringing to the front of the conversation about how protection should be the default but having the ability to opt out is the choice individuals should have.

FDIC is a perfect example! There are accounts I know and would expect that but there are times I'm willing to waive that for compensation. Welcome to the land of crypto where nothing is FDIC and the government isn't going to protect anything.

Public opinion matters because it can be the very conversation that gets politicians to challenge the existing laws to be changed.




FDIC was put in place after The Great Depression, in order to prevent another Great Depression. There is no opt out because when large numbers of people make risky investments without planning for the consequences, it affects the entire economy.


Individual freedom vs. community safety.

Where to draw the line?

Who should draw it and by what mechanism?


> Where to draw the line? Who should draw it and by what mechanism?

The democratically elected government seems like a good place to start!




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