I'm thinking of the opposite, hacks are always there even the early days of bitcoin. And that opposite is the year of more centralization. It's speculated that institutional money is coming in and the idea of CBDC is already rolling so that's why I'm thinking about the other side.
Yeah, I think so. Regulation, regulation, and regulation always became a hot topic at almost all of blockchain event that I have visited.
CBDC is on discussion phase in my country as well. However, it is not clear if they will use blockchain or not.
I read that uruguay, senegal, china, and tunisia has retail cdbc (blockchain). Sweden has e-krona (non-blockchain). Canada, singapore, thailand, and south africa has wholesale cbdc (blockchain).
Maybe 2020 is the year of regulation.