says banks are liable for losses incurred through fraud and that in the world of crypto currency there's no safety net the most important usurps or so you were currencies are those who are also see it that we. treat for example laundering money is great. and so on and so forth. and carsten says that because there's no regulation of digital currencies crookery can flourish. you can do crooked things as easily with a crypto currency as with real money i see crypto currency as a tool you can use a hammer to repair the roof or build a kennel or to bash someone on the head kind of all human. one felling point of crypto currency has been the speed of transactions but payment times have slowed to about ten minutes because of the surging volume the computers involved need more time to process transfers i mean basically least an infrastructure of these