Totally agree with you. We do not yet see the negative impact of cryptocurrency on lower prices fiat. For example, Japan last year received a few tenths of a percent of its gross income from the use of cryptocurrency, that is, the economy only benefits from this, which means that local money is strengthening, that is on the contrary, fiat only grows in price.

This is a big exaggeration. Employees of banks that receive wages for their work, rather than a percentage of the profits of banks, almost no matter whether the banking system loses something from the introduction of cryptocurrency, or not. They may, on the contrary, be interested in additional earnings in cryptocurrency. Moreover, it should be recognized that only the top executives of various banks may lose their profits due to partial crowding out of the usual cryptocurrency currency. They may have a hostile attitude towards cryptocurrency.

If the ICO's activities next year begin to be massively regulated by states, this may speed up the period of increasing their popularity and ultimately should lead to a sharp increase in the price of ethereum. Also, the price of ethereum should increase after the introduction of expected improvements in the next month.
I am also interested in the question of how tomorrow's possible merger of Bitcoin and ethereum will affect the formation of a bithereum coin. Link: https://bithereum.network. If such a coin appears, it can make a significant adjustment to the prices of Bitcoin and ethereum.

This is a clear example of the fact that Bitcoin is actually very poorly performing the function of accumulating value and it practically cannot be compared with gold in this regard because of its high price volatility. The high price of Bitcoin now plays a negative role for investors who are going to hold it for a long time. At the same time, experienced traders can still have high profits using high bitcoin volatility.

In Russia, they must first resolve the issue of legalization of cryptocurrencies, which should have been resolved in July, then in October of this year, but no law on cryptocurrency has yet been adopted. The question about its centralized cryptocurrency has been discussed there for a long time and it seems that it is the Russian Sberbank that intends to issue such a coin. Let let out. I think that this will not only not worsen the attitude to the decentralized cryptocurrency, but also vice versa, will increase the general interest in it.

Of course, the situation with the regulation of ICO activities is already long overdue and it needed to be addressed several years ago. Fraud among ICO projects has reached a threatening scale and states are simply obliged to intervene and prevent crime. I know that many states are already preparing relevant regulations on this issue and I hope that in 2019 we will see many examples of regulating the activities of ICO.
A separate issue in this regulation is not only the protection of the rights of investors, but also of other participants in the bounty campaigns ICO. Now the ICO teams simply dictate their terms to us, therefore the rights and obligations of the parties in this case should also be settled.

In the future, the EOS coin may grow in popularity and price, but now ETH is still indispensable for ICO projects. EOS has a lot of unresolved problems so far and it will take a lot of time for this coin to become as popular as it is now with ETH. However, ETH does not stand still. We are waiting for the promised improvements next month, including with regard to solving the problem of its scalability. The future will show which coin will be the best.

Bitcoin or another decentralized cryptocurrency can never replace the national paper money of the states. For this to happen, the government must make the appropriate decisions. However, no government will abandon its national money in favor of cryptocurrency. A cryptocurrency can successfully run in a state only at the same time as the national money of the state, otherwise it will have a bad effect on the economy of any state.

In a large and serious business, high price volatility of cryptocurrency is a very big obstacle to its use as a means of payment. In any transaction, one of the parties will constantly suffer losses depending on the price movements of the cryptocurrency. After all, since the preliminary agreement and until the practical implementation of the transaction, a considerable time passes and during this time the price of the transaction in the cryptocurrency can change dramatically.

As always, among the new ICO projects there are many good and promising ones, many useless ones, and the number of fraudulent ICO projects has increased. As long as this activity is not regulated by the states, this situation will continue. Unfortunately, the many abuses of the ICO team against bounty hunters are increasing. This is especially true for KYC checks, especially after the end of the ICO term. Because of this, part of the bounty hunters left this activity.
At the same time, the idea of ​​using tokens continues to evolve and this is generally good for cryptocurrency.

I like stable coins. This is not exactly a cryptocurrency, since they cannot bring us profit. However, they create ease of use of cryptocurrency. Stable coins actually in some cases become a buffer between cryptocurrency and fiat, and in others - a good settling tank when it is urgent to withdraw funds from one cryptocurrency, but it is not yet time to invest these funds in other coins, and withdrawing funds to fiat is not practical.

In principle, I am pleased that I work with cryptocurrency, including in this forum. Thanks to this activity, I learned a lot about cryptocurrency. Given the circumstances of my life, I have a lot of free time and I use some of it to work on this forum. Last year I earned a lot of tokens in the ICO signature campaigns, but my account was hacked and a significant portion of the tokens were stolen. However, I am still satisfied with my earnings. In this outgoing year, I earned little tokens, most ICOs extended the deadlines, some were suspended. Only now I see the already active accrual of tokens in the tables, some ICO campaigns began to list them in wallets. Hope for a living there, we'll see. In the end, I think I gained more than I lost.

Now, probably. Many have invested in cryptocurrency, but it does not make sense to cash it at this time, since it has now fallen in price. It seems that this year many will see Christmas and the new year much more modest than usual because of this. Nothing can be done, investing in cryptocurrency is risky. The one who knows how to wait and choose the right time to make the appropriate decision will win.

Bitcoin does not belong to anyone, because no one has been granted a patent for his invention. In court, there can only be a dispute over the recognition of the right of ownership or ownership of a certain number of bitcoins. It will be easier to do after the state legalizes cryptocurrency.

Cryptocurrency can not be considered a bank account, especially open outside the state. It also can not be considered shares. In any case, until the cryptocurrency is legalized in a particular state and its official status is determined, it cannot be equated to any other type of document.
If a cryptocurrency is not regulated by states, it should be considered legal, since there will not be a special prohibition on its use. As a general rule, it is allowed to engage in any type of business, unless there is a special ban on them.

In a cryptocurrency, everyone can act in their own way, as it seems to him most beneficial for the preservation and enhancement of their coins and tokens. Therefore, I do not think that it is worth blaming someone that he does not keep his cryptocurrency. This is the same market as other markets. If we deliberately keep the cryptocurrency and thus artificially raise its price, the same thing will happen that we see after December last year, when after a sharp rise in the price of bitcoin the market still stagnates after the price decreases by 70 - 90 percent .

Some ICO projects already pay for bitcoin bounty hunters and, more rarely, ethereum on this forum. However, of course, it is unlikely that all ICO teams will want to pay for the work of bounty hunters in Bitcoin or ethereum, since on the whole this is not very profitable for them. The task of ICO is to distribute its new tokens and collect bitcoins and ethereum, and not vice versa. If some ICO teams are interested in bounty hunters not lowering the price of their tokens after listing on an exchange, then for this reason as well they can do it.

The concept of blockchain is much broader than the concept of cryptocurrency. Blockchain is a technology and one of its uses is the creation of cryptocurrency. Therefore, the blockchain technology will exist without cryptocurrency, but the cryptocurrency without the blockchain technology cannot exist.
The blockchain technology is highly appreciated by all states, even those that do not recognize cryptocurrency and prohibit its circulation on its territory. The leader in issuing patents for the introduction of this technology is China, which limits the circulation of cryptocurrency so far. In China, more than six billion dollars have already been used to implement blockchain technology.

In my opinion, selling their own Altcoins now, when they have lost up to 90 percent of their value, is not a smart decision. Even if partially some coins and tokens die, others after a while should give a good profit. If you urgently need funds, then you can sell only those coins and tokens in respect of which there are doubts about their growth.

In any case, if you keep your 250 ethereum, you will end up with a good profit over time. This coin is one of the most promising today, despite its very large price drop at this time. True, it is predicted that Bitcoin will continue to fall throughout the winter to about $ 2,000. With such a bitcoin price, ethereum can drop proportionally to bitcoin by another third, that is, somewhere up to $ 60. Therefore, part of this coin can be transferred to promising coins, which do not lose so much their value, or even into stable coins.