Thank you for your much detailed and constructive response. After much reasearch, I see the blockchain in a whole different way now and tend to understand why the crypto industry continues to evolve exponentially. The big banks know the potential . Visa is also concerned that they may face some threatening competitors in the future who will offer faster transactions with much lower fees. It will be interesting to see how this will all turn out.

Regarding your suggestion, I will , sometime in the near future; do a write up on each concept with the aim of making it comprehensive to users new to the blockchain and the crypto industry.

Thanks again!