A great, thought provoking article. A hybrid would be a good solution, as long as it adheres to the principles of cryptocurrencies, and not that of the banking sector! If the world follow the path of Ripple then it does so without me, but if it goes with a form of "easy" crypto - maybe along the lines of UTrust, Metal, TenX etc - then I am all for it, as long as centralisation doesn't turn it into the over-regulated and government-friendly system like the banks currently have. that system only robs the poor and enriches the rich.

There are some cryptos which are centralised now but are still doing very well. The likes of NEO will decentralise later, but have no real worries at the moment, probably due to great leadership which is committed to changing the world for the better. The likes of CargoX will remain centralised, yet due to the nature of those coins I have no problem with them working that way.

It's all about keeping the greedy, selfish people out of the equation - they ruin everything with their lust for power and money.