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“none of them could wrap

their head around it.” That

provoked her to look more

deeply, and as she did, she

slowly came to understand

the

potentially

enormous

implications

of

the

technology:

“We all hear the store of

value. Here’s a way to move

money and to buy things

outside the law. Maybe it’s a

competitor to fiat currency. Is

it a disrupter to the traditional

banking sector; an enabler of

e-commerce and remittances;

a superior internal ledger

system for multinationals?

That’s not what all the

reporters are asking about but

that’s another possibility that

we see.

“By the time I felt like I

really understood it I was

really excited to share that

knowledge, and discuss it

with a wider audience,” she

said. “You want everyone to

understand it too so that

they’ll really appreciate the

really massiveness of this

innovation.

“It’s not just a thing, it’s a

phenomenon.”

GAVIN ANDRESEN HAD been

invited to Dan Morehead’s

house in Lake Tahoe, but he

had elected to stay home in

Amherst. He was receiving

many invitations to swanky

gatherings

and

turning

essentially all of them down

—though he did accept an

invitation to speak to the local

Rotary Club. When he had

been asked to attend the

prestigious Aspen Institute, a

friend had urged him to go.

“It will change your life,”

the friend told him.

“I don’t want my life to

change,” he responded. “I

like my life.”

He had certainly profited

from Bitcoin’s rise: he had

been paid by the foundation

in Bitcoins since 2012 when

each Bitcoin was worth $10.

His wife had pushed him to

use some of the money to get

his own office in downtown

Amherst, and a second car for

the family. But the car they

chose was a modest black

Nissan Leaf. And for an

extravagant family vacation,

he planned a trip to visit his

mother in Washington State

for a Women’s Auxiliary

ceremony. For the first time,

Gavin hadn’t worried about

the prices of the hotels he was

booking, and he planned a

helicopter trip for his family

to see Mount Hood.

Gavin

was

similarly

understated about Bitcoin. He

still lived for the project, but

like other developers he was

deeply aware of the flaws that

still existed. He called the

software that Satoshi had

created

a

“hairball”

containing lots of different

things stuck together. As he

saw

it,

the

volunteer

developers were still trying to

untangle

it.

He

was

particularly focused on the

limited

number

of

transactions that were being

confirmed and recorded on

the blockchain with each new

block. On average, there were

only about four hundred

transactions

getting

confirmed every ten minutes

in

mid-2014.

If

Bitcoin

wanted to compete with

payment networks like Visa,

which

processed

two

thousand transactions each

second, the software was

going to need to change

significantly.

Among

the

broader

community

of

Bitcoin

programmers

there

was

constant griping about the

increasing centralization of

the entire Bitcoin ecosystem.

The

network

had

been

designed to encourage all of

its users to participate. But

now, only people with access

to super-powered computer

chips and cheap energy were

able to take part in the mining

and

transaction

recording

process—something that a

small handful of companies

were dominating. As had

happened

with

several

previous

decentralized

systems,

this

one

had

naturally

tended

toward

greater centralization because

of

the

efficiency

made

possible by specialization.

This looked, increasingly,

like Napster giving way to

iTunes. In that case, the old

power brokers—the record

labels—were destroyed, but

they

were

mostly

just

replaced by a new set of

power players.

Gavin rarely brought it up

publicly,

but

there

was

another,

more

frightening

problem that didn’t appear to

have any immediate solution.

There

were

a

growing

number

of

examples

of

Bitcoin

being

used

by

criminals to demand and

collect ransom, which was

much easier with Bitcoin than

with traditional means of

payment. When criminals

accepted cash for ransom

they had to physically collect

the money at some point,

which

provided

some

indication of their location. If

ransom was sent digitally via

PayPal, it didn’t require a

physical handoff, but the

payment

could

later

be

reversed.

With

Bitcoin,

criminals could demand that a

victim send money remotely,

and once it was sent, there

was no reversing it. The

previous fall, a malware

program

known

as

CryptoLocker had surfaced,

which had the ability to seize

computers and lock the hard

drive until a Bitcoin ransom

was paid. The fears about

ransom were a large part of

the

reason

that

many

Bitcoiners had been angry at

Newsweek

for

“outing”

Dorian Nakamoto. If he had

really been Satoshi, his outing

would have made all of his

family members unusually

vulnerable to kidnapping and

demands

for

payoffs

of

various sorts.

Gavin didn’t know it, but

for

months,

a

hacker

demanding

ransom

was

targeting Hal Finney and his

family, despite the fact that

Finney had been rendered

almost entirely unable to

move or communicate by his

disease. The attack came to a

terrifying climax when the

hacker called the police and

reported that a murder was

taking place at Hal’s house;

this forced the local police

and

fire

department

to

evacuate Hal and his family,

a taxing experience that came

just a few months before his

death. Roger Ver had dealt

with what appeared to be the

same hacker, but beat him off

after offering a public bounty

for his capture. The best

solution to this threat seemed

to be wallets that were

programmed to allow for