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I agree, you wouldn't want a world where either of those two scenarios you mention are possible. But are those examples inescapable risks inherent to having smart contracts? Or does the design of current smart contracts lack maturity in such a way that allows for problems similar to the ones you mention? Maybe better smart contract design could arise that prevents these issues.

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I think the case that they are inescapable risks is pretty strong. I think the history of formal design and software engineering is pretty clear that the designing a foolproof system is effectively and practically speaking impossible except for extremely small, extremely isolated problem spaces.

I don't think smart contracts are in that space and I don't think any level of maturity is going to get you there.

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