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"Cryptocurrencies are about as speculative a financial asset as you can put money into right now. I’ve written extensively about how I think it’s the lowest-hanging fruit on the risk tree and how the asset class will likely be the first to dive and deleverage in the event of a market crash. Its use case remains uncertain over the long term, and there are infinite layers to the ecosystem — populated by got-rich-quick techno-dweeb ultra-billionaires with questionable personal hygiene and addictions to World of Warcraft — that have proven to be riddled with fraud and abuse."