<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>throw0101a</author><text>&amp;gt; &lt;i&gt;Sadly most people don&amp;#x27;t care nor should have to but the decentralization&lt;/i&gt; […]&lt;p&gt;&amp;quot;Decentralization&amp;quot;? Bank of America Global Research just released a report today that said:&lt;p&gt;&amp;gt; &lt;i&gt;1. Concentrated Ownership: About 95% of Bitcoin is controlled by just 2.4% of the accounts, and distribution is heavily skewed towards the largest accounts. By comparison, the latest Fed data suggests that the top 1% of Americans control about 30.4% of all household wealth in the US.&lt;/i&gt;&lt;p&gt;* Francisco Blanch, with Savita Subramanian, Philip Middleton, et. al. &amp;quot;Bitcoin’s dirty little secrets&amp;quot;. BofA Global Research, 17 March 2021.&lt;p&gt;Probably not even Russian oligarchs have that much control.</text><parent_chain><item><author>notyourwork</author><text>It&amp;#x27;s such an anti-pattern for the world to adopt this approach. Sadly most people don&amp;#x27;t care nor should have to but the decentralization is effectively moot when payment processors like Visa get involved. Sadly, I&amp;#x27;m less and less hopeful that crypto will be what the movement conveyed over last 10 years.</text></item><item><author>purple_ferret</author><text>Misleading Title. Visa says it will allow for Bitcoin to be converted to fiat, and the fiat can be spent using a Visa Card in the same way debit cards already work.&lt;p&gt;This is already done with the Coinbase card, Gemini card, etc&lt;p&gt;The statement is very vague in terms of who is covering the conversion.</text></item></parent_chain></comment><story><title>Visa Plans to Enable Bitcoin Payments at 70M Merchants</title><url>https://www.btctimes.com/news/visa-plans-to-enable-bitcoin-purchases</url></story>
<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>fny</author><text>I mean... what do you expect with a currency with an annualized volatility of 100%. The risk is way too damn high.</text><parent_chain><item><author>notyourwork</author><text>It&amp;#x27;s such an anti-pattern for the world to adopt this approach. Sadly most people don&amp;#x27;t care nor should have to but the decentralization is effectively moot when payment processors like Visa get involved. Sadly, I&amp;#x27;m less and less hopeful that crypto will be what the movement conveyed over last 10 years.</text></item><item><author>purple_ferret</author><text>Misleading Title. Visa says it will allow for Bitcoin to be converted to fiat, and the fiat can be spent using a Visa Card in the same way debit cards already work.&lt;p&gt;This is already done with the Coinbase card, Gemini card, etc&lt;p&gt;The statement is very vague in terms of who is covering the conversion.</text></item></parent_chain></comment><story><title>Visa Plans to Enable Bitcoin Payments at 70M Merchants</title><url>https://www.btctimes.com/news/visa-plans-to-enable-bitcoin-purchases</url></story>