In 1962 E.M. Rogers introduced the world to the Diffusion of Innovation Theory, a framework to understand the adoption of an idea or product. It comes in five stages and it applies, generally speaking, to all disruptive technologies. While the Internet has spawned numerous disruptive innovations, the world has probably never seen anything like Cryptocurrency. A decentralized, uncounterfeitable resource would, on the surface, seem to be the Holy Grail that governments would embrace for obvious reasons. And yet, it wasn’t governments who invented the concept of national cryptocurrencies, but private citizens.