Digital cash already existed and the banking system already is P2P. The federal reserve gives dividends to it's peers (other banks). Jamie Dimon said Bitcoin is a Ponzi Scheme and why don't you believe him? You believe random Youtubers and developers about Bitconnect yet you cannot see the same game being played on people who hold fiat?

The bankers don't want you to use it so they call it a Ponzi Scheme but then the people who bought Bitcoin 3 years ago are millionaires now. So why do you think people lending to Bitconnect cannot become millionaires 3 years from now if it happens routinely in this space?

In a previous comment you called https://www.saltlending.com/ a ponzi. How do you even prove your point. SALT give you real money while keeping your crypto as collateral. It's not different from getting a loan using your house as collateral.

Real money? I suppose if you trust the fiat Ponzi Scheme where they create the money out of thin air? Yet you get upset if in crypto it is deflationary where they remove tokens from the supply? In either case they manipulate the supply,

In the federal reserve it is even worse because they give dividends to the banks that sign up. Where does the money come from? I guess if you trust the bank you can accept that they generate real money but real money does not mean real wealth.

The Dollar is nothing more than numbers on a ledger. Bitconnect lets you lend in dollars and pays back in dollars, and is acting like a bank. If you are a lender, you get the dividend which is like a revenue share. I do honestly have issues with how they do it but as long as they keep paying out what they owe then it's no scam.

Money talks. Those traditional banks you trust did not give you a dividend, or interest, or bail you out. Bitcoin was founded from the perspective of being anti-bank specifically because these banks inflate the currency, take dividends for themselves, and the rest of us pay fees for the privilege (along with taxes).

You trust the code of salt lending? Smart contracts fail all the time. Maybe humans fail too but it is the same risk. You just decide you want to trust programmers you don't know and code you probably can't read instead of trust people you don't know and can't see.