Bitcoin was originally created as an alternative, decentralized payment method. Unlike international bank transfers at the time, it was low-cost and almost instantaneous. An added benefit for merchants (less so for users) was that it was irreversible, removing the threat of expensive charge-backs.

However, the improvement in domestic payment methods and the rapid development of alternative (non-cryptocurrency) forms of international transfers has reduced bitcoin’s advantage in this area, especially given its increasing fees and frequent network bottlenecks.

Bitcoin is a disruptive technology but not for that is meant to be safe. Around the world right now there are some concerns about the uses of Bitcoin.

With an investment like bitcoin, no one really knows where it's going to go. It could go to $150,000. But it could also go to zero. It's a highly risky and speculative investment. When you're investing in the stock market, it's a little bit easier to – it's still not easy, but it's a little bit easier to stomach the drops when they happen. Because, historically speaking, we know the US stock market goes up about 8%, on average,  per year.  Some years there are big swings up, some years there are big swings down.

It looks like 2018 could be another action-packed year for Bitcoin and crypto currencies

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