Hey Prof. Kevin Werbach — great article. I have noticed that, in general conversations, most start-ups in this space today seem enamored by blockchain (point 2) as the main disruptor. It is interesting that you cite cryptocurrencies as the main driver of power distribution.

What are your thoughts on the stability of cryptocurrencies today — for them to truly disrupt established financial institutions, do you think they need to have a somewhat stable value, akin to gold?