The larger question is, what happened to the trust Americans had in the foundations of our current society and our world? What is the future of trust in national currencies, elected governments, democracy and our other institutions? And how much do young Chinese and Russian people trust their governments to act in their best interest? Maybe cryptocurrencies are best seen as a revolt and a rejection of traditional institutions. Many young people are embracing the idea of system that is independent of any country or any elites. This seems like a trend that is likely to gather steam rather than peter Jan Brzeski out. Whether it is Bitcoin or Etherium or something else, there may be a real need for a new vessel for our trust and confidence, that is “outside the box” and outside the control of world Managing Director and Chief Investment Officer, Crosswind Financial/ Arixa Capital Advisors leaders, elected officials and the traditional financial and economic system. Bitcoin and Etherium were designed specifically to bypass all of our current institutions, and at the moment, they seem to have arrived at the right place and the right time, to attract support from a generation that is largely unhappy with the way things work today. Mr. Brzeski is the Managing Director and Chief Investment Officer of Crosswind Financial and Arixa Capital Advisors, LLC, which together are one of California’s leading private real estate lenders. Previously, Mr. Brzeski worked in commercial real estate acquisitions, lending and asset management for a leading Southern California real estate family office. He began his career working at Goldman Sachs & Co. as an investment banking analyst. Mr. Brzeski holds a M.A. in philosophy, politics & economics from Oxford University, a B.A. in physics from Dartmouth College, and is a licensed California Real Estate Broker. ARE CRYPTOCURRENCIES A SCAM AND A BUBBLE, OR ARE THEY THE FUTURE?