I’m compelled to respond to the ACPR's discussion paper on “"Decentralised" or "disintermediated" finance: what regulatory response?” because it is crucial to voice the perspective of the average crypto holder. Far too often, regulatory responses are shaped by corporate interests, neglecting the diverse and passionate community of individuals who actively participate in the crypto space. By providing a unique viewpoint from a crypto holder's perspective, I aim to shed light on the c...