Of course, this is my response to his flawed argument. For decades, farmers have been heavily dependent on local banks for financing, largely because there were few viable alternatives. Banks assessed a farmer’s creditworthiness and the value of the farm, then decided whether to extend financing. When a farmer could no longer meet the terms of the loan, the collateral could ultimately be seized or the farm sold. Blockchain has the potential to fundamentally change that structure. Farmland, farm equipment, inventory, receivables, and future cash flows can potentially be tokenized, allowing liquidity to come from institutional investors and entirely new financial markets. In other words, farmers would no longer have to rely on a single funding channel: borrowing from a bank. This is not about eliminating banks. It is about giving farmers more ways to access capital. That, in my view, is one of the most significant changes blockchain-based finance could bring to the real economy.