I have no idea what I'm talking about

I have no idea what I&rsquo;m talking about here, and you should not trust me. A decade ago, I predicted bitcoin would fail . You could argue it kind of did: its promise to disrupt legacy currencies and banking clearly wasn&rsquo;t fulfilled for the same reasons I outlined in that post. It&rsquo;s not widely used as a currency or a medium of exchange by real people - it&rsquo;s just a speculative…