Man I hope your analysis plays out. I think Ethos is a great project, but got in near the top so my investment returns don't match my enthusiasm for the project. I can't wait for them to launch their wallet. I know from first hand experience that there is a huge group of retail investors that want to get into cryptocurrency but aren't willing to jump through all of the hoops that are currently in place. If Ethos can crack that nut, it will be a major milestone in the wide, mainstream adoption of cryptocurrency.