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Crypto: will the bitcoin dream succeed?Economist John Quiggin in said "bitcoins are the most demonstrably valueless financial asset ever created". Researchers Neil Gandal, JT Hamrick, Tyler. The risk of collapse also calls for disclosures to help consumers understand the products they are buying. Broader consumer protection concerns result from. �Regulation that is obstructionist or damaging, particularly in the U.S., could be stifling,� says crypto enthusiast and hedge fund manager Roy.