Iremember the first time I was asked to evaluate a major technological shift. I was a college student studying accounting in the mid-1990s, and one of my projects was to decide if the Internet could become a viable platform for commerce. My group and I researched, ran the numbers, made the presentations and gave the answer that felt obvious: No, the Internet would not work .

At the time, we couldn’t imagine using a credit card online. Or buying shoes on a computer. Like many people then, we underestimated what would become the most important technological advancement of our lives. How wrong we were.

In the long run, though, my college experience would give me a deeper understanding of the forces of innovation. When I first encountered crypto in 2017, I saw parallels to the internet,

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