good article, many points in substance valid, but we need to learn to differentiate. 89–90% of all ICOs are either done by a bunch of ex-puberty young boys wanting to make big bucks (=scam) or the team behind it have no clue about their internal operations or whatsoever. this is why we need to differentiate: for example, spectre.ai (the first ethical=broker-free decentralized trading-platform). the team is made of a spectrum of high-level experts and professionals and most of all their true weapon is transparency. by the way, can the author of this article go a little more into detail about his background-expertise, credentials, expertise etc.? thank you so much.