I also sold my bitcoins after watching the stocks loose their value and I am happy after watching the market fall after that now I will be waiting for the better time to come to buy bitcoin again as there are high chances of another incoming dump. A lot of times I sell my holdings because of desperate need for money when I can't arrange money from any other place then I have no other option than to sell my holdings whether my bounty earnings or it can be my investments in the top tier cryptocurrencies.

The chances of vaccination of people until the end of December are very less as even after the development of the vaccine there would be testing of the vaccine on the human test subjects and even by the WHO too, which will take a lot of time as being impatient in case of a new vaccine can actually cost millions of lives if there is something wrong with the vaccine.
Even in my country the GDP for this quater have fallen drastically and a lot of people have become jobless and many businesses have also closed because of bankruptcy.

In today's economy living without a bank account is close to impossible, everyone needs a loan to build their dream home, for his car or maybe studies then the first thing required would be a bank account without which you can't get a loan.

Also for buying cryptocurrencies with ease and faster, you have to have a bank account as I can get Crypto loaded in my wallet in less than 30 minutes with my bank account, I can't think of a faster and a safer way to do so.

With number of people loosing their jobs due to  Covid, the countries should consider making cryptocurrencies legal in their countries as this will promote the entrepreneurs to start more companies and thus creating more jobs for the people of the country and then the economy can start to rise again. But the governments are trying to put this problem on others especially China for Covid situation which it actually is. If the countries start making cryptocurrencies legal then yes they have a huge potential to become the future of money and can also evolve the payment systems as we know.

People also have a tendance to invest in the Cryptocurrency or stocks when the news and online websites are talking about it, instead they should always watch the prices closely when the media is talking about these investments and make a watchlist and when the price comes down then they should buy bitcoins or any stocks that they are interested in.

 I saw many get rekt in the last bull run when they sold their car in order to buy bitcoin above $15k and then all of a sudden the price went below $10k, so for these kind of investors the area of investment is risky and they should keep their money either in gold or maybe in real estate.

But for the veteran with 5+ years of experience in cryptocurrencies it will not be that difficult to identify good sub top 100 altcoins as compared to a newbie who just entered the world of cryptocurrencies. So it is advisable to those newbies who are entering just now with all this DeFi hype going on so as to educate them and help them keeping their money to themselves and not just invest in any altcoin or token promising huge returns for investors or maybe some random person on Twitter telling his followers to invest in a particular scam project that offers huge returns in a small amount of time.

Even that time wasn't enough to stop the spread of Covid, it is only the time that it took to control the spread of the virus. But China on the other hand is almost like it didn't even face an epidemic in its country as you said only one province was completely locked during the virus spread and it seems fishy as hell as why in their country only one province was affected and there wasn't any case outside that province whereas in the other countries the situation got worse even after the lockdowns, for example see India where the number of cases are still rising really faster than before the lockdown was implemented.

In the time of pandemic, cash was even more important than having money in your bank accounts as in a lot of places people were afraid to go out as there were high chances that the ATM were also carrying the virus and were contaminated, so having cash in hand was considered a good thing considering a lot of local sellers were only accepting cash and not the bank transfers or cards. Have cash become the king again is going to be my question!! As in the time of crisis what people need the most is cash as a lot of times the banks limit the amount of money that you can withdraw in a day from ATM and the banks.

Projects always think that the people who are investing are dumb and they are always looking for ways to scam these investors. Even with a lot of bounty campaigns, technically they should pay the participants right after the project ends, but in reality they ask the participants to wait for atleast 2 months and until then either the project is already pumped and dumped a lot of times or is either close to being dead, so now there isn't any chance for the normal people to earn an honest living like the days of 2017.

You can search about IDENA, really good coin with a bright future and also you can setup a node for earning a passive income with it as the node is currently generating enough coins to pay for the vps and also a lot more savings on a monthly basis. I am also using it and been generating a constant daily passive income of more than $2 at current market prices. Also as the number of users will increase I guess this number might be reduced in the future, but for now it is currently a good investment in my perspective.

It's not always wise to invest in the cryptocurrencies at any time possible, I guess we have to wait for the dumps or the dips and then invest in these coins. Pumps are not the greatest of times to invest in the cryptocurrencies as most of the times the pumps get overbrought and then we end up buying the coins at a really high marked up price. I also wait for the dumps for getting a good entry in the Cryptocurrency and always do my homework before investing in a token as often there is more to the project than what meets the eyes, so it is better to do research than regretting your decision of investing later.

All jobs won't be acquired by the AI robots that's for sure and even if they are acquired by the robots then also there will be new jobs created for the jobless people. People say that in future we won't be needing doctors anymore and the work will be done by the robots, but as a matter of fact the doctors would still be needed to monitor those robots, all they are going to do is to assist the doctor in the surgeries. Same applies to trading too, Wall Street is being run by the AI trading interfaces and yet there are countless jobs there too, everyone needs a good trader now and then.

The returns on the stable coin staking will also become less as more and more people join the staking process and also this don't seem too good for me as these stable coins are always centralized and can also fall any day. Running master nodes and investing and then staking the POS coins feels good for me and I am searching for new cryptocurrencies that are of low entry point and are having a good future also. Staking stable coins feels the same way as you with your money in the bank accounts but having more risk of hacks.

With the increase in the number of unemployed people the number of cases of theft and other crimes would also spike because people would need money to survive and they aren't having any jobs then they can go down the wrong path in case of a desperate desire. So governement should restart the economy and try to give jobs to the people who recently lost their jobs due to the impact of Covid as a pandemic, or to those who are close to poverty.

Scammers are also making quick buck with the DeFi hype going on around the social media and also amongst the investors which is making new millionaires on a daily basis because of the price pumps of the new tokens that were previously being sold for pennies and now for hundreds of dollars.
The developers are also rushing the project launch and trying to include the DeFi name in the project so as to capitalise on the hype and increase their earning potential by utilising this great opportunity.

Your solution would only work for those people who are using ethereum network because of its lower fees for sending their money in Crypto to different addresses, but what about those who are already having their money saved as ethers and want to move it, they surely have to pay the fees, one thing I have seen is that many a times the average transaction fees also makes your transaction included in a block which is mined in maybe 2 to 4 hours from time of your transaction which can be decent if you don't need your funds sent to the destination address urgently.

Bitcoin block reward halving would have been a driving force for the bitcoin price if the same situation was present 1 year back, for now it isn't the bitcoin block reward halving, it is something else. It can be due to the DeFi tokens that are attracting so many investors and once they are done with their investment in the DeFi tokens then they have to keep their money safe in a safe heaven and it is always better to keep your money in bitcoins than in any other token. It can also be the stock market money coming in cryptocurrencies as already stock market is in profit and bulls are really driving up the prices so the excess money is coming in cryptocurrencies.

Also it's war on drugs and rhe prevalence of drug addictions in all the classes of the African community is a major problem, the money laundering, call scams and on top of it the fake medicines that are being distributed in the African countries. I also think that the African countries will be developed in the future, just like China which no one thought that it will become an economic superpower in such a short amount of time and it was once fighting hunger and diseases and poverty just like the situation Africa is in.

If a person is income generating and conscious minded then he won't need to have cryptocurrencies at his disposal as he can turn coal into gem with his skills and hard-working nature, cryptocurrencies would be great for those who are usually transacting in between places that are far off from each other and require a lot of fees while sending money or maybe there is a danger of theft or when the seller and the user want to be anonymous, or maybe in the case of pandemics like Covid where people are afraid to touch banknotes as they can transmit the infection.

The best way to deal with it is to report them and don't even open the message from any unknown user or the person that you don't know. Many a times the scammers use the fake female profiles to make the user fall in their trap and then ask them to deposit or whatever they would wish the user to do. I also have recieved a lot of messages from scammers and also been added to other scamming groups by unknown people but once I changed my privacy settings of people adding me to groups to my contact list only from then onwards I wasn't added in any unwanted group.