The emergence of cryptocurrencies, stablecoins, and other decentralized financial technologies (e.g., Venmo) represent a transition to more market-based alternatives to traditional banks. These new digital tools allow people more options for storing their savings or for conducting transactions. Based on our study of transitions to market-based economies, what are the main risks that people face during this market transition? Would you recommend that countries adopt these new tools quickly in order to provide people with more options, or should these tools be carefully regulated and adopted with caution? Please explain your response.