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>all savings of people who don't invest in cryptocurrencies are worthless, that fear may be driving a lot of the ICO speculation.

There are lots of ways to invest your money that aren't based on the dollar. Futures, real estate, company stocks, metals.

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Sure, and they'll hold their value even in this scenario. But (other than the hedge funds) I suspect many people investing in these ICOs aren't big investors in those, and even among those that are, I doubt they'd like to see their checking account become worthless.

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