Why changes in money today are met with fear, uncertainty and dread? Gregg Kidd, Chief Risk Officer @ Ripple Labs notes that in the bicycle messaging industry there was no top-down authority determining who would do what work. Instead jobs were announced, and workers could bid on jobs. Software was built around this system, and later created the genesis for Twitter, which allows people to choose the information they want to follow. Twitter is an interesting system because it is a system without central control. Information can be disseminated; it has a public ledger or a public timeline of all of the updates.