<ol><li> A common argument for financial liberalization is that it enables greater access to
financial services in under-banked areas. Brett Scott and Mike Beggs both take on the question of what cryptocurrency come to slightly different conclusions on how well cryptocurrencies can serve this need. For this question, please explain how cryptocurrency eliminates the need for banks through its design, and explain how this could positively affect areas that lack significant banking infrastructure. Briefly explain why Scott is more positive about the prospects of cryptocurrency, and why Beggs is more pessimistic about its promises. For this question, two paragraphs should be enough. </li></ol>
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