Regulation of cryptocurrency by states, including DeFi platforms, is inevitable and this is not a disaster for it. Some regulation is needed to avoid massive fraud. The only question is what and how will be regulated. If the regulation is organizational and within reasonable limits, then this can only be welcomed. The main thing is that such regulation does not violate the decentralized foundations of the cryptocurrency. In my opinion, there is no reason for such fears yet. And the regulators are hardly able to do this.

It seems to me that this does not work in all cases. Now in the cryptocurrency market, the dominance of bitcoin is falling or rising by only a few percent. However, altcoins always follow Bitcoin's price movements. Only fairly promising altcoins can show growth even if the price of bitcoin falls. However, this is rare. However, in general, I agree that with a strong drop in Bitcoin dominance, altcoins begin to rise well in value.

It should be borne in mind that absolutely in all states there is a drop in the level of the economy due to long-term and unprecedented measures to combat the coronavirus pandemic. Therefore, inflation will rise. People will flee from it, invest in cryptocurrency. So overall, I think this year will be a very good year for cryptocurrency. Of course, this market is very unpredictable. With active growth, there will also be sharp price swings. This year should be very successful for traders.

The Russian ruble falls naturally. The Putin regime is actually pursuing a hostile aggressive policy towards its neighbors and on the world stage, and to cover up these actions, they have invented hybrid wars and private armies, which are actually led from the Kremlin. An anti-popular domestic policy is also being pursued, in which political competitors are physically eliminated, peaceful demonstrations are prohibited and all those who disagree are imprisoned. We can see this even on the example of the law on digital assets adopted in Russia. In which state, with the regulation of cryptocurrency, it is possible to store cryptocurrency, but in fact it cannot be disposed of. Of course, Russia's position in the international arena will decline.
In addition, the ruble has always been held at the expense of the oil and gas export. Now Europe and many other states are gradually abandoning these resources and switching to environmentally friendly energy-saving technologies. Therefore, oil, gasoline and gas will become cheaper, and the ruble will fall.

Of course, Ethereum is now in a better position than Polkadot. Ethereum is currently undergoing an upgrade and it is expected that this coin will completely transform and its price will be much higher than it is now.
However, Polkadot has a very interesting new technology and this token is very promising. I think that some of the funds can simply be invested in Polkadot.

Altcoins are only a few years old and have more than 8,300 types. Due to the fact that everyone can create their own altcoin, useless and fraudulent altcoins make up a decent amount of this number. However, in general, there is a good process of their development. You just need to choose the right potential altcoins and they are able to bring profit even more than bitcoin.
Altcoins are generally durable and worth investing in, only their useless types are short-lived.

Bitcoin existed without stablecoins and will exist even if they all disappear in an instant. Of course, stablecoins make it very easy to use cryptocurrencies, however, without them, Bitcoin and other cryptocurrencies will not die. Bitcoin is not directly related to stablecoins, but if something happens to tether, then in the first period this should affect its price, since everything in our world is interconnected. However, I find it difficult to even say in which direction - an increase or decrease, while the price of bitcoin will change.

It is unlikely that cash will disappear in a hundred years. Even the Chinese government, which is already testing its digitized yuan, has warned the country's population that it is not worth abandoning the use of cash. Each type of money has its own advantages and disadvantages. Cash is sometimes simply irreplaceable both in certain situations and in relation to certain categories of citizens.
In addition, cash is not tracked and any type of non-cash centralized payments is fully tracked by the government.

Of course, over time, the number of bitcoins to which access is lost will only increase. People die or make various mistakes, as a result of which access to their bitcoins is lost. However, cryptocurrency and new technologies continue to evolve. Quantum computers are coming soon. They may be a salvation for bitcoins, to which access has been lost, but also a big threat to the rest of the cryptocurrency. Whether by that time protection against them will appear is still unknown.

The CoinMarketCap table shows that there are currently 8304 types of cryptocurrencies. Whether we like it or not, however, the number of cryptocurrencies will continue to grow as long as the conditions for this exist on the market. Since everyone can create their own cryptocurrency, some create it to embody innovative ideas, while others just to make money from it. We cannot influence this process. We can only support a certain cryptocurrency or not. If there is no demand for cryptocurrency, it will eventually disappear from the market. We cannot even say yet when and how this process of creating cryptocurrencies will end, but this is a good way to improve and develop it.

This is the opinion of individuals in Japan. However, I agree that over time, ripple will regain its position after the leaders of Ripple Labs pay off large penalties. Apparently, many people believe in a favorable outcome of the SEC lawsuit, since this coin no longer falls in price and even rose slightly in a relatively stable market.
In some countries, ripple is very popular as a means of payment. Some confidence in her is inspired by her support for the banking system, and she practically did not react to this legal scandal.

It is unlikely that these survey results reflect the real opinion of people. Now, few people know about the digitized currencies of the central banks of states. Those who know what it is could not so massively declare that it is not money. We all know that the digitized currencies of the central banks of states, that is, their stablecoins, are the same money of states, only on the blockchain in digital form. It is useless to deny it. People have not yet used them and do not know what it is. How can they reason about it. We need to make sure ourselves of the question posed and the answers to it.

Getting wealth from cryptocurrency is also not as easy as some imagine. There is nothing magical about cryptocurrency. It also does not create wealth, it only redistributes it. This means that if someone makes a good profit, then someone has to lose it. Therefore, in order to make a profit, you need to either know the market well, or have good luck.

Of course, we on this forum use our free time to make a profit, but I do not think that the proposed coin can bring a good profit. I don't really see the need for its creation at all. To make a profit, we should only invest in projects with a good idea and, best of all, with a real product and prospects for development.

I read on the news that Ripple Labs officials said they are entering negotiations with the SEC. If they agree on the amount of penalties to be paid, the trial can quickly end in a reconciliation of the parties. I think that the Ripple team is fully aware that the lengthy lawsuit is not in their favor and will try to finish it as soon as possible, even I appreciate the payment of billions of dollars in penalties.
I also don't think ripple is dying now. The image and price of this coin have been shaken, but this is temporary.

I wonder how this Yellen intends to "cut" bitcoin. This is not a budget cut that can be cut with the stroke of a pen. Judging by the fact that she only proposes to study the ways of influencing the cryptocurrency, she does not know at all what exactly to do. I agree that such calls from high-ranking officials have begun to sound more and more often. Overall, this is an alarming prospect. States, especially if they unite, can harm the free development of cryptocurrency.

If we see a bear market this year, I don't think it will be deep and long. Most of it is expected to be bullish this year. May will be a year since the last halving and this period should be marked by good growth. Therefore, the current drop in the price of bitcoin may just be another correction, but it is possible that this time the drop will be longer. This is a cryptocurrency and any surprises are possible here.

I think this trial will not last long. The executives of Ripple Labs have already announced some time ago that they are entering into negotiations with the SEC over the filed lawsuit. This means that they are ready to at least partially admit their guilt and pay large penalties. In my opinion, this is exactly what the SEC is seeking. If an agreement is reached, the court will approve it and the case will be dropped. The ripple positions can then be restored.

The global economy continues to deteriorate due to the impact of the coronavirus pandemic and unprecedented measures to combat it. Therefore, most likely, we can first survive the global economic crisis or simply a significant drop in economic growth in all states, and only after that prosperity is possible. Everything moves cyclically and in a spiral. The world economy also.

In Russia, there is such contradictory and stupid legislation on cryptocurrency that one involuntarily asks the question: if there are no fools, then why are they doing it. You can have cryptocurrency, but you can't use it. Or Putin is inconvenient to completely prohibit cryptocurrency, after all, he has previously spoken positively about it. I see that if Putin reigns a little more, then cryptocurrency will be practically banned in Russia on pain of criminal liability. So we'll see if the state can control its laws to ban cryptocurrency.