While I can't tell I'm not happy for what is happening with Ripple but this is an example of a centralized agency influencing and affecting a crypto currency. I know Ripple is considered a centralized coin but it could happen with any other coin. And for a community focused coin like Litecoin, there would be not much options. This is also the reason why we should promote DEX and implement cross platform dex as soon as possible.

It's always upto the investors that should research and find what's suitable for them and what is a scam.
There are surely people working without any incentive to report scams but sometimes they are wrong while mostly they don't cover every projects that need to be. There are even situations when these so-called investigators were found to be taking money to put some projects in a good way or bad way. With no regulations, these people and group act like a bad journalism.

With prices sticking about 25K, it seems another quick spike is possible but I too believe bitcoin won't sustain the current price for a long period. It needs to correct to some extent and I believe the price would move below 20K before making a solid resistance. There are rumors of whales accumulating more coins. But in my opinion it's better to miss out on profit than to buy on a spike and watch your coins go valueless.

Pool staking like Binance ETH 2.0 staking is a very good option for people who are not sure about running a full node or don't have enough money to have one. Binance claims to provide 100% of on-chain staking income to the investors of the pool while it bears the risk for penalty and forfeiture. That means it would be even more profitable than running your own staking.

A world without fiat as of now is possible and imminent but government would create a crypto alternative to fiat to stop people form choosing decentralized options.
Though we have imagined a utopian society with a single governance but that attempt and idea had been deemed unreasonable and unachievable many times. The problem is centralization of money, power and governance. We have decentralized money but as the governance remains centralized, they'll attempt to create their own centralized crypto.

Whatever be the type of project, it's always a better option to escrow. Be they be paying weekly or at the end of the campaign.
Escrow maynot be useful in all circumstances, for example a bounty escrowed with the project token which fails to get listed on an exchange. But when the escrowed tokens or coin has a value, the bounty participants are sure to get something even if the project goes scam or refuse to pay to the participants.

Even though it's already 8 years since I've encountered with bitcoin. I failed to utilize the potential it held in my financial life. Back than I was dependent on my parents and had no real job and was too afraid to spend the least I had on a new and unproven tech. I didn't even had a proper guidance that bitcoin would even reach such an spectacular price. Nevertheless, I learnt many things about the technology and bitcoin and now is actively trading as a novice trader.

The market is really confusing. BTC is around it's all time high and moving sideways for quite a time now. The sideways movement means there are not enough people ready to sell their bitcoin at the moment but it doesn't mean there's going to be a much higher point anytime soon as people might not be ready to invest more. While with altcoins, the price are not reciprocal to anything and the volume have stagnated. I'd rather wait and see the movement rather than to invest more.

The price of Ripple is more likely to fall. With the interference of SEC, every exchanges that operates for US citizens under the regulations needs to stop trading Ripple. SEC ban would not have been a large setback if the Ripple team had taken proper actions and consolidate the users but some of them went on to make false claims and were part of a bull trap. There's so much false information circulating and people are even falling on it. At the moment it's best to avoid Ripple as there are many other options.

There are different types of investors and traders. The ones that plays with the prices in intraday trading watching technical analysis makes profit however the market is.
But there are also new and naive investors that hears about the records bitcoin's making and the investors brought in what multiple of profit and jump into without consideration.
There even are regular investors who on the fear of missing out buys them at a larger price.

The problem is it's difficult to differentiate between a good and bad project. Unless something is proved to be a scam, projects may fall in any category in the perception of the person who looks over.
As it is a forum, everyone expects free share of ideas and projects. The more you try to regulate or control it, the more controversies arise. Moderating is a difficult job. We have seen a lot of drama on every forum including this one for every strong move the mod makes.

Some of my friends have stated their coinbase account were locked and their balance frozen mostly because failing some terms of use. Coinbase has a bit board terms to follow. Many of those blocked accounts were due to transaction to or from gambling sites and a few due to use of VPN.

You can't. There's no rule of law in the US.
US and it's government institutions works above the law and they go onto any measure to keep them powerful. They don't even follow the rules made by themselves and brings on new rules just to bring anyone trouble.
They freeze bank accounts, confiscate money, kidnap people, kill and destroy at will.

There are several reasons why the bounty hunters are not rewarded for their effort and non willingness of the project is a rare one.
Many of the projects are just scams, it don't matter if they give you their token or not. Some fail to raise the minimum cap, the token would be useless again. Next is the failure of the project, even thought they get through, they fail to add value to the token so it's either never listed or crashes on listing. If everything's okay with the project and is legit, I have rarely heard bounty participants complaining about the project not providing the promised quantity.

Dogecoin is fairy easy way of making people understand how crypto works. It's cheap, fast and works on whole numbers.
But when people are interested in crypto, they are looking for a few different things and one of the most prominent is investment and eventual profitable return of it. For it, Bitcoin and newer potential alts would be an better option. If they are into blockchain tech and development, side chain solutions like Ethereum would have better significance.

The current dump is due to the SEC's lawsuit against Ripple. They have termed Ripple as a security and claims Ripple has collected a large amount without abiding by the law set by itself. Many of the financial institutions from US government acts like a mafia group and the current claim is surely due to Ripple leaving US without settling the finance.

Not sure if it's ready but bitcoin is already into a Mass adoption. Now a large number of people own and use bitcoin in such a small period of a decade. Even if they don't own it, most of the people are aware of it and consider it as an important aspect of new age of economics. Last day I was sitting in a training regarding cybersecurity and crypto regulation popped up as a hot topic of debate. I was so surprise that so many, specially the old people know about bitcoin.

Doge gives you surprises a lot of the times. I personally don't recommend anyone to hold Dogecoin but the people acutally holding it for last couple of years have profited larger than those who holds other coins. Be it the viral Tik Tok video promoting Dogecoin or significant figure and Elon Musk openly expressing his love for Dogecoin, there are a lot meme worthy ways this meme coin hit a price pump.

All of these are hypothesis. We can't ignore any dire circumstances but we can't move forward if we keep on focusing on them.
It's more likely for the world to end than for a single person or company to find a cheap unlimited energy and exploit it to do a 51% attack on bitcoin. If anyone do find that, they'd rather sell it than to dedicate their research on destroying bitcoin. Which would also require a lot of capital in buying the mining devices and a such attack would tarnish their image globally.

Anyway you look at altcoins, they are all disappointment. But still, we need to keep looking them in different ways.
Ethereum and other popular alts have not reached their all time high or not rose in comparison similar to bitcoin. But what we should also consider is altcoins are not bitcoin, they have their own use case and the price change similar to bitcoin could have an adverse effect on it's use.