That's a great article and one which has a lot of truth behind it. I would agree with you on most of the points except for SBD which I find to be unessessary and an added complication to the chain when we need it as simple and streamlined as possible. I would get rid of it altogether as it has never held it's peg in the past few years. If it was a working stable coin then i could see it being useful but not in the way it was set up.