Richard,

Thank you for visiting our blog and sharing your perspectives.

Never say never. Agreed. I do want to point you to a Fortune magazine article (http://fortune.com/2017/04/27/estonia-digital-life-tech-startups/)
that highlighted what a small Baltic country has been able to do in its government and business applying blockchain technology.

Our goal in covering fintech is to highlight possble changes on the horizon and help investment professionals better prepare for it. Blockchain's potential may well be more real than many of us realize.

Warm regards,
Larry