Oh for sure we need a decentralized monetary system, and a decentralized world too.

You mention Tragedy of commons , an example of that you have in 2008 Lehman brothers collapse, pursuing they own rationale incentives, the banks and investment funds destroyed their loveled system, a flawed one , more than malleable,...

I have no time to arguee more,... but think , we have a world of 6 billion people , and surprise !! there are almost 100 people who control all this minds, they have the power. You are a smart guy, give me a reason why you are not  in this group of 100.

In the year 2116 people will laugh about this social-economical comepetitive system, and for sure they will ask themselves,.... why. 

In the year 1816 there was 8 year old children working at coal mines, not too smart i think , better for society in overal to keep those children learning things, so we ask ourselves today ,.... why.

Bitcoin and other cryptos are flawed? ok, but we are on the way, we have to explore , if we take a snapshop of global economy today , is not very promising , and is not a fair game, ...as a westerner i believe i have no more rights over a chinesse , indian or Tuvalu citizen to live in this world, so i dont pursue be millonarie, i pursue a better world for all