I think payment technologies are here to stay. Even if Square or Bitcoin fail, old time companies will pick them up and adapt the technology for their own use. 

The author is poking, because he doesn’t really understand. Crypto is not meant to be centralised,therefore centralisation is never the problem. A few words from Elon will sway the prices, sure. That’s what happens to the whole market when the fed or trump say a few words too. [Spurting] Because of naysayer articles like this, people are afraid to participate in crypto. It’s not necessarily speculation. If a significant portion of people in the world owns crypto, nobody can sway the prices, and it will be used to transact. The tech limitations will improve once people are rallying for more applications.Fiat and crypto must live in peace, side by side. Itwon’t be a bubble if traditional institutions don’t speculate on crypto.