One other thing I wanted to mention is that you really have to be apprehensive about regulations in this instance because the "big guys" are suddenly calling for regulations. This is because they benefit from extra regulations because it strangles small start ups that can't deal with the new regulation requirements and makes any start up far more capital intensive when interest rates are rising. This could stifle competition and make this tech more expensive for all of us and even possibly deny more innovation in the space. There are reasons to be cautious but also skeptical as this tech is just in it's infancy.