Well i got to say i half agree with him. The half with which i disagree is the idea that has bring brought up through the implementation of Bitcoin, and therefore, the rest of cryptocurrency. The idea of paying funds through the use of blockchain technology and the internet is perhaps one of the most innovative ones in the 21st century. And while Bitcoin has perhaps outlived it's lifetime, being burdened with so many problems such as high trans fees and slow processing times, it has acted as a gateway for other better, more refined cryptocurrency to be developed. So while Bitcoin may have failed as a currency, i commend it for it for giving innovation for far better products which could one day replace banks.