政府應該幫助小投資者更了解加密貨幣

華倫巴菲特和比爾蓋茲不喜歡加密貨幣，但大約兩千萬印度人似乎喜歡加密貨幣。今年，許多印度人一直在購買加密貨幣，儘管

The government should step in to help small investors understand cryptocurrencies better.

政府應該介入，幫助小投資者更了解加密貨幣。

While bigwigs like Warren Buffett and Bill Gates have expressed their distaste for cryptocurrencies, about 2 crore Indians seem to be fans. This year, many Indians have been buying crypto, despite having to pay a 30% tax on earnings. People in both big cities and smaller towns, like Barbaka in Assam and Botad in Gujarat, are investing in these digital currencies. You might even know someone in your family or neighborhood who owns crypto! But is this a good thing?

儘管華倫巴菲特和比爾蓋茲等大佬都表達了對加密貨幣的厭惡，但大約兩千萬印度人似乎是加密貨幣的粉絲。今年，許多印度人一直在購買加密貨幣，儘管他們必須支付 30% 的所得稅。大城市和小鎮的人們，像是阿薩姆邦的巴巴卡和古吉拉特邦的博塔德，都在投資這些數位貨幣。您甚至可能認識您的家人或鄰居中的某個人擁有加密貨幣！但這是好事嗎？

Bitcoin, the most well-known cryptocurrency, is notorious for its wild price swings. Imagine buying it in January for ₹47,000, watching it shoot up to ₹71,000 in June, fall to ₹54,000 in September, and then jump past ₹1 lakh now. That's how unpredictable it is!

比特幣是最著名的加密貨幣，因其劇烈的價格波動而臭名昭著。想像一下，1 月以 47,000 盧比的價格購買它，6 月價格飆升至 71,000 盧比，9 月跌至 54,000 盧比，然後現在突破 10 萬盧比。原來如此，真是難以預料！

A recent report shows that many Indians aren’t buying the big-name cryptocurrencies like Bitcoin and Ethereum anymore. Instead, they’re putting money into “meme coins” and “gaming coins.” Meme coins are created as jokes or based on internet memes, but some people take them seriously. For example, Dogecoin, a meme coin that Elon Musk loves, was almost worthless for years. When Musk tweeted about it, its price shot up, but it’s still super risky.

最近的一份報告顯示，許多印度人不再購買比特幣和以太幣等知名加密貨幣。相反，他們將錢投入“模因幣”和“遊戲幣”。模因幣是作為笑話或基於互聯網模因而創建的，但有些人認真對待它們。例如，馬斯克喜愛的狗狗幣（Dogecoin）多年來幾乎一文不值。當馬斯克發推文談論它時，它的價格飆升，但風險仍然很高。

Other meme coins, like Elongate and EMax, became popular because of celebrities like Logan Paul and Kim Kardashian. But the fame didn’t last. Kim was even fined ₹11 crore for promoting one without being honest about her payment for the ad.

其他模因幣，如 Elongate 和 EMax，因 Logan Paul 和 Kim Kardashian 等名人而變得流行。但名氣並沒有持續太久。 Kim 甚至因在沒有誠實支付廣告費用的情況下宣傳廣告而被罰款 1.1 億盧比。

The problem is, social media spreads these stories fast. Young people, hoping to get rich quickly, might borrow money to buy these risky coins. If the prices crash, they could lose everything.

問題是，社群媒體快速傳播這些故事。希望快速致富的年輕人可能會借錢購買這些有風險的硬幣。如果價格暴跌，他們可能會失去一切。

While India’s central bank (RBI) wants to ban cryptocurrencies, another government agency, Sebi, wants to regulate them like the US does. The government needs to decide soon and give clear advice to small investors. Without proper rules, people could lose their hard-earned money on something as fragile as a meme.

儘管印度中央銀行（RBI）希望禁止加密貨幣，但另一個政府機構 Sebi 希望像美國一樣對其進行監管。政府需要盡快做出決定，並向小投資者提供明確的建議。如果沒有適當的規則，人們可能會因為迷因這樣脆弱的東西而損失辛苦賺來的錢。