Companies with no income and hype and future opportunities are flourishing. The incidents of fraud and scams increasingly exploit the avarice are revealed, causing more fear and securities sales. The companies with the money invest quietly in the new product, but the rate of progress is slowing down because the new product is an "hideous word" unless profit is convincingly demonstrated. This begins in the universe of cryptocurrency with the folding of lending systems using cryptocurrencies and greater coin robbery. Some of the marginal coins collapse because of their speculative nature.