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![]() Like Bitcoin, the rules can't change on you and everyone has access. It's not like traditional finance where governments can print money that devalues your savings and companies can shut down markets.Įthereum builds on this. Bitcoin's rules, like its scarcity and its openness, are written into the technology. Bitcoin is open to anyone and no one has the authority to change its rules. It does this by providing a way for a large number of people, who don't trust each other, to agree on a ledger of accounts without the need for a trusted intermediary. Bitcoin lets you really own and control value and send it anywhere around the world. It's built on transparency – anyone can look at a product's data and inspect how the system works.įinancial institutions are closed books: you can't ask to see their loan history, a record of their managed assets, and so on.Įxplore DeFi apps It started with Bitcoin.īitcoin in many ways was the first DeFi application. Markets close because employees need breaks. ![]() You must apply to use financial services. Payments can take days due to manual processes.įinancial activity is tightly coupled with your identity. You have to trust companies not to mismanage your money, like lending to risky borrowers. ![]() You control where your money goes and how it's spent. There's a premium to financial services because intermediary institutions need their cut.Money transfers can take days due to internal human processes.Trading hours are often limited to business hours of specific time zone.Governments and centralized institutions can close down markets at will.A hidden charge of financial services is your personal data.Financial services can block you from getting paid.Lack of access to financial services can prevent people from being employable.Some people aren't granted access to set up a bank account or use financial services.One of the best ways to see the potential of DeFi is to understand the problems that exist today. Some folks have even taken out and paid off loans worth millions of dollars without the need for any personal identification. Companies have started streaming their employees their wages in real time. Crypto-savvy Argentinians have used DeFi to escape crippling inflation. There's a booming crypto economy out there, where you can lend, borrow, long/short, earn interest, and more. Services that were previously slow and at risk of human error are automatic and safer now that they're handled by code that anyone can inspect and scrutinize. With DeFi, the markets are always open and there are no centralized authorities who can block payments or deny you access to anything. What's DeFi?ĭeFi is a collective term for financial products and services that are accessible to anyone who can use Ethereum – anyone with an internet connection. So far tens of billions of dollars worth of crypto has flowed through DeFi applications and it's growing every day. DeFi products open up financial services to anyone with an internet connection and they're largely owned and maintained by their users. It gives you exposure to global markets and alternatives to your local currency or banking options. It gives you control and visibility over your money. DeFi is an open and global financial system built for the internet age – an alternative to a system that's opaque, tightly controlled, and held together by decades-old infrastructure and processes. ![]() 2, section 3.2) that ordinary belief-desire explanation can cite beliefs either as "sustaining causes", which are causally relevant standing states or dispositions, or as "dynamic causes", which are events that produce actions directly. Frankish, thinks, in fact, that conscious and unconscious thoughts are radically different things - but folk psychology seems to use the same explanatory devices for both conscious and unconscious beliefs.įrankish denies this. Frankish might be correct that we have two separate models of belief, but it seems very unlikely that they correspond to the distinction between conscious and unconscious beliefs. Also, our patterns of folk-psychological explanation seem sensitive to the strengths with which other people hold their beliefs, including their conscious, explicitly affirmed ones.Ĭonversely, the restriction of flat-out belief to the conscious mind seems unmotivated by anything in folk psychology, since our attributions of unconscious beliefs to people seem just as susceptible to a binary interpretation as our attributions of conscious beliefs. Not only do I feel more confident about some things than others, I think its possible to experience changes in one's degree of belief in a given proposition - going down as evidence of its falsehood is presented, for instance, and going back up as one thinks of a rebuttal to that counterevidence. I think that the conflicts cross-cut each other, and that the same mental state can have properties that are, in Frankish's scheme, characteristics of radically different natural kinds.Īccording to Frankish, for instance, conscious belief is binary - you either believe something or you don't - whereas basic belief comes in degrees and is always nonconscious: "our degrees of confidence are not matters of immediate conscious awareness" (p.23). Although the conflicts Frankish discusses are genuine, it is hard to share his confidence that they can be resolved by dividing the properties of beliefs into those possessed by basic beliefs and those of the superbeliefs. Frankish believes that tensions in folk psychology reflect an underlying distinction in our mental nature, and that folk psychology can be divided without remainder, as it were, into two unified theories with different, and correct, ontological commitments. But I am skeptical that all the tensions can be resolved in his preferred way, by two neat conceptual clusters. The result is a very strong commitment not just to the idea that folk psychology quantifies over real entities, but that folk psychology, properly understood, is correct in almost every particular about the nature of those entities, and that the nature of belief is a conceptual, rather than an empirical, matter.įrankish draws attention to many genuine tensions in folk psychology. (This term is not defined, but it seems to mean syllogistic or otherwise subject to logical, rather than probabilistic, appraisal.) The supermind is realized in the basic mind, in the sense that generalizations about states of the supermind are made true by generalizations about underlying basic states. As a reasoning system, it is "classical". The supermind, on the other hand, is conscious, and its beliefs can be actively formed and controlled, expressed in a natural language, and are held or not without qualification. As a reasoning system, it is well described by Bayesian decision theory. (The book would be easier to follow if it consistently used just one of these pairs of neologisms.) The basic mind is non-conscious and contains passively formed beliefs that come in degrees, cannot be actively controlled, and do not involve language. The overall picture distinguishes what Frankish calls either the strand 1 mind or the basic mind from the strand 2 mind, or supermind. It will be hard to follow if one is not already familiar with the literature, but it does illustrate very well the connections between various positions on folk psychology, rationality, and the concept of belief. He takes us on an interesting and stimulating survey of the conceptual issues, but the discussion rushes through a number of debates that should be taken at less speed and spelled out more clearly. ![]() Having argued for this point in outline, Frankish defends it by arguing that several outstanding disputes in the philosophy of mind can be resolved by recasting the issues in his terms. Frankish claims that folk psychology has two theoretical cores, which provide the frameworks needed to understand the two different types of minds - basic minds and superminds - that humans possess. Keith Frankish thinks the arguments about the nature of folk psychology remain unresolved because both sides are correct about different aspects of the mind. |
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