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We need a system that provides mortgage credit in good times and bad to a broad range of creditworthy borrowers.
The human wish to credit good things as miraculous and to charge bad things to another account is apparently universal.
Because the American credit reporting system relies on both good and bad reports of creditworthiness, a consumer must have some kind of credit - not just the absence of bad credit.
Bitcoin has the potential to destroy credit cards and banks as we know it. Maybe that is a good thing or a bad thing, but I like the idea that if someone needs to remit payments, they can do it without being gouged.