web3/concepts/externalities.md

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# Externalities
The problems with crypto assets fall into several categories.
## Environmental
1. [Crypto investments that use PoW have an absurd environmental footprint.](../claims/environmental-footprint.md)
2. Crypto investments waste energy that is better spent on more productive enterprises.
## Legal
1. [Crypto investments violate securities laws](../claims/is-legal.md)
2. Crypto assets are largely used to circumvent laws around [illicit financing](illicit-financing.md) and [money laundering](money-laundering.md).
## Financial Risk
1. [Crypto investments expose the public to undue risk](../claims/is-systemic-risk.md).
2. It is an enormous opportunity cost the directs capital towards unproductive enterprises and scams rather than into growing other businesses.
3. The structure of it as an invesstment is [negative-sum](zero-sum-game.md). Most investors are guaranteed tot lose money.
4. It is most likely a [bubble](bubble.md).
## Social Problems
1. [It encourages gambling](../claims/is-gambling.md)
2. Coins that use PoS are plutocratic, result in centralization and consolidation.
3. It financializes things, especially abstract things, which should not be financailized.