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So today, we rely entirely on big intermediaries -- middlemen like banks, government,
如今，我們完全依賴于大型中介機構，中間商比如銀行，政府，
big social media companies, credit card companies and so on to establish trust in our economy.
大型社交媒體公司，信用卡公司等等，來構建經濟中的信用體系。
And these intermediaries perform all the business and transaction logic of every kind of commerce,
這些中介機構承辦了各式各樣的商業貿易的一切流程。
from authentication, identification of people, through to clearing, settling and record keeping.
從對人們的身份驗證，到記錄的清除，設定和保存。
And overall, they do a pretty good job. But there are growing problems.
總的來說，他們做得不錯。但是有一個問題日益凸顯。
To begin, they're centralized.
首先，他們過于集中，
That means they can be hacked, and increasingly are --
這就意味著它們會被黑客攻擊，
JP Morgan, the US Federal Government, LinkedIn, Home Depot and others found that out the hard way.
像摩根大通銀行，美聯儲，領英，家得寶等慘痛的教訓證明了這一點。
They exclude billions of people from the global economy,
它們使數十億人民與全球經濟隔絕，
for example, people who don't have enough money to have a bank account. They slow things down.
比方說，有人由于沒有足夠的資金無法開戶。它們降低了效率。
It can take a second for an email to go around the world,
一封電子郵件轉瞬即可環游世界，
but it can take days or weeks for money to move through the banking system across a city.
但是會花上幾天甚至幾周的時間，通過銀行移動城市內的金錢，
And they take a big piece of the action -- 10 to 20 percent just to send money to another country.
它們從中收取大筆利益：跨國轉賬需要10%到20%的手續費。
They capture our data, and that means we can't monetize it or use it to better manage our lives.
他們掌握了我們的交易數據，這意味著我們不能將其貨幣化，或是更好地管理我們的生活。
Our privacy is being undermined.
我們的隱私正在暗中被侵蝕。
And the biggest problem is that overall, they've appropriated the largesse of the digital age asymmetrically:
而最大的問題在于，他們使得數字時代帶給人們的福利變得不再平衡。
we have wealth creation, but we have growing social inequality.
我們創造著財富，但是我們的社會也日趨不平等。
