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Perhaps this is the new university, we're not a post-idea economy, and once unleashed, commodity software is immutable.

Like the calculus, the crypto banks will unleash their ideas and vanish leaving only what is understood good and true.

Exactly, there's no difference between Coinbase and Bank of America.

They have not centralized things that were previously decentralized. They've created new centralized things that provide services at the edges of the decentralized stuff.