yup. i got into crypto's late last year, but from my analysis i deemed bitcoin and PoW a bigger risk than anything else. Proof of Stake was a nice alternative but Nxt's launch and ipo was less than ideal. pos also poses its own problems, namely that of whales and hording - which in the end, leads to centralization, poor adoption, and manipulation.

this is why NEM intrigues me the most - the proof of importance (that i prefer to call proof of interest) if, comes to fruitition, will really cause a stir the crypto world needs. we need to encourage spending, not hording; POI is (so far) the best bet for this. this really CANNOT be understated and for the sake of NEMs longevity it would be good if we think of ways to enhance the POI method to better accomplish this. if POI makes it easier for the end user to use, services and retailers will naturally crop up.

The money needs to keep flowing and moving to make a currency viable. FIAT accomplishes it by printing that leads to inflation/deflation with all the associated dire risks.