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In the end, I do not think we will find the neat boundary between 'normal sadness' and 'clinical depression,' if only because mood is an innate human characteristic, like weight or the length of our hair. However, to reject the very notion of depression as an illness on account of these difficulties is throwing the baby out with the bath water.
With Bitcoin, every transaction is publicly verified, so many risks are eliminated, including chargeback fraud or 'friendly fraud.' This is when a customer purchases something online with a credit card; waits to receive the goods or service, then requests a chargeback refund. The bank then forcibly takes the funds out of the merchant's account.
Suppose a bad guy guesses the password for your throwaway Yahoo address. Now he goes to major banking and commerce sites and looks for an account registered to that email address. When he finds one, he clicks the 'forgot my password' button and a new one is sent - to your compromised email account. Now he's in a position to do you serious harm.
I have seen extreme lows because of factors that were not in my hands - be it not having money to buy my first bike, dropping out of a prestigious engineering college without having a single rupee in my bank account, living with seven boys in a single-room kitchen in Mumbai, or eating nothing but khichdi every day. But I cherish all those moments.
