i've never owned cryptocurrency, don't understand how it works, don't much care either.

Wonder if there's a single other person here in the same boat. Or if I'm making myself very unpopular rn.

✋ Never owned it, kind of understand it, unclear on why it's better than a good 401k or S&P fund.

Strategic communications advisor.

Recovering politics reporter, HuffPost.

doesn't replace 401k or SP500. 

"cryptocurrency" comes in many shapes & sizes, from digital dollars (which just use crypto as infrastructure for transfers) to new (sometimes absurd) currencies like Bitcoin, Dogecoin, etc

opens up new things like:
1. instant peer to peer payments: 
send dollars worldwide instantly with negligible fees. already having large impact in remittance corridors.

2. self-custody funds: 
not so important in US, but in low-trust or failed states, one can ensure that govt/banks cannot seize funds or debank them

3. "programmable" money:
much easier to build apps that move value. opens up much more experimentation in how artists can sell IP, how me lend/exchange money, and more