Also generally not that concerned about scaling. Because I genuinely suspect we don't understand the problem very well and also are applying a "retail credit cards" model to this that seems very likely to me to not be the direction this goes. I think the evolution of its use (also how we extend sovereignty/trust) will likely be different than we imagine it to be. 

 This is an astute observation. I agree. The solution will probably look different than everything on the table today.

But failing to plan is planning to fail so this is not a reason to stop working on the problem. 

 I agree and would never suggest to it wasn't something to direct energy toward.