http://bitcoinmagazine.net/bitcoin-is-uninsured-a-misconception/
Hyvä artikkeli, josta saattaa tulla suomennos Bittiraha.fi uutisosioon myöhemmin.
[i]"Faced with the growing need to justify the fees, delays, chargebacks and centralization of power that are behind modern fiat currencies, one argument that Bitcoin detractors are turning to more and more to attack the alternative is that Bitcoin is uninsured.
… However, this argument is flawed in a number of ways, the largest of which is that the concept of a currency being “insured” is meaningless. Insurance is not an inherent property of a currency, it is a type of contract that can be made between any pair of individuals or organizations. The conceptual error that Worstall, and others who make this argument, are making is that of having what can be termed a hierarchical worldview: seeing “the government” as a special entity in itself, as something which is an inherently higher level process than the mere individuals and businesses that are operating in a sandbox set out by government laws.
The reality is, the government is an entity just like any other, and claiming that the US dollar is fundamentally secure and Bitcoin is fundamentally unstable because one has the government backing it and the other does not is incorrect – governments are fallible too, and judging by the high bond yields of many countries on the market, investors do not have nearly the same confidence in the government debt that backs up the power of institutions like the FDIC that Worstall does. The Bitcoin investment industry has been offering insurance contracts such as credit default swaps for months now, and if you want a MtGox, Bitcoinica or any other deposit insured all you have to do is either find someone offering insurance for your deposit already or simply make a post on the Lending forum and just ask for someone reputable to sell you such a service."[/i]