Most people on HN here don't have a clue of what they are talking about, whether it is financial market regulation or cryptocurrency or blockchain technology.

What makes this topic difficult to approach is the degree of complex issues which surrounds it. We are looking at the intersection of technology innovation, the long-standing failure of institutional and market mechanisms, and combined with a bleak macroeconomic context.

Most people here should take a good reminder that they actually aren't experts in everything.