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There isn't an issue that the protocol fixes.
Janet Yellen disagrees.
What We Know About the Federal Reserve's Blockchain Stance - CoinDesk
Yellen said that blockchain technology “could have very significant implications for the payments system” and that the Fed wants “to foster innovation”.
I'll try to get word out to the Federal Reserve itself that you disagree with their research paper and have some opinions that can change everything.
https://www.federalreserve.gov/econresdata/feds/2016/files/2016095pap.pdf
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