Thank you for choosing to teach @TokenHodlr, and I pretty much agree with what you said.
I don't view these as failure of morality issues. These are in fact, in my opinion, simply symptomatic
of a systemic failure on the part of our systems, institutions and the governance thereof.
Having invested more than 30 years in the turnaround/startup space, some key lessons I've picked up
along the way are, in no particular order, the system over time corrupts the people. This is
the fault of the system not the people.
I have a similar conclusion about the system as the source of problems. I've seen enough evidence that the system can turn "good people" into "bad people." Humans have two polarities, the X and Y in one package, and I see the current system embrace one side over another.
To me cryptocurrencies are but a small part, although important as a component, but far from a problem-solver
in and of themselves. The Eco-system and cryptocurrencies that will ultimately succeed have not been visioneered,
engineered and brought to market yet.
It's very noble for you to keep doing this research while there is a probability that this (true cryptocurrency) is only a utopia. Probably currencies should be detached from economics and governance.
Economics, the allocation of resources, perhaps cannot satisfy all involved parties. Governance, the distribution of power, maybe always imbalanced, continuous cycle of order and chaos.
However, before I pass the baton to anyone who is far more competent than me, here's my general idea:
Freedom to choose between saving, consumption, and investment, but encouraging people without coercion to create/produce/invest, and not to hoard.
A mechanism to protect the system from malicious acts of its biggest holder and its creator.
A mechanism to prevent it from being used as speculative assets at its infancy.