Subject: File No. S7-15-18
From: James Johnson
Affiliation: Investor

July 20, 2018

The debate around cryptocurrencies has been raging for enough time to adequately assess the level of public interest in this emerging asset class. To say the different global central banks have had their fair share of monumental mistakes through the centuries would be more accurate than saying the central banks have prevented theft of wealth. Going back to 1913, the Federal Reserve has devalued the US dollar by an average of 3.13% per year -EVERY YEAR. The basic principles of free market thinking from the Enlightenment Era would agree that blockchain technology better safeguards the wealth of nations, businesses, and individuals better than central banking. Not to be naive, bad actors in this world attempt to take advantage of every possible mode of making/moving money. This is why I asvocate for an original ETF restricted to accredited institutions/individuals to set the groundwork and to properly amend systems as needed before a more broad ETF can safely be adopted. Every currency in the world is used by criminals - we cannot afford to allow this incredible new asset class to be underused because of the fear that criminals will use this currency as well