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Summary: You need around a million US dollars to buy investment products globally due to the unaffordability crisis in housing and real estate. This crisis is leading to social unrest as many find real estate out of reach. To democratize finance using blockchain, access to financial products must be democratized as well. Unless you've got somewhere like a million US dollars cash, you can't buy investment products in most parts of the world, and that's just the reality. We've actually got this global housing and real estate unaffordability crisis, which is actually beginning to drive a lot of the social unrest that we're seeing globally, because we've got entire generations today that look at real estate, which used to be this aspirational asset, as being simply out of reach. If we're going to democratise finance through blockchain, we actually have to democratise access to financial products.