I’d like to start this post off with a statement that in the good-ole-days, businesses were part of the community first and in it for profit second. Sadly, that’s never really been the case. Still, I think it’s safe to say that in the last 20-30 years, things have gotten worse with a rapacious as-long-as-I’ve-got-mine attitude emanating from all over society.

This morning the New York Times is running a piece on new rules the Department of Labor is rolling out requiring financial advisors to act in the interest of retirees. The shocking thing is, as John Oliver recently, brilliantly pointed out, they have never been required to act in the best interests of their customers. The wolves of Wall Street have always been free to prey on the fatted sheep willing the credulously fork over their hard-earned bucks on the promise of huge profits, or often enough, just financial stability into their golden years.

If there’s anything the last 10 years since the collapse of Lehman have taught us, the banks are predatory and can’t be trusted with our futures, the government is either in the pockets of the banks or paralyzed. Long gone are the days when a person could work for a company for years secure in the knowledge that the company pension plan would take care of him in his latter years. 401K plans and other instruments were largely scams by the banksters to get at our savings and drain them with complicated fees or through direct theft. And left to their own devices, the good, hard-working people of America were unable to keep up with the amount of saving they would have to do to support themselves into retirement anyway.

I am no investment advisor, and everyone should consider carefully for themselves any investment they make, but there is a new technological money that is gearing up to transform banking, saving, and investment. It’s Bitcoin.

Bitcoin right now is about 650 dollars per coin and has a market cap of about 11 billion. It is an internet currency designed so that with a little technological savvy, anyone can save, send and receive them. There is no need for a credit card, wire service, or bank account – unless you want those things.

There will only ever be 21 million bitcoins, meaning that Bitcoin is by design deflationary, a scary word used by economists to mean ‘your money will grow without having to put it into risky investments.’ It means that what you save today will be worth more tomorrow. It means that between the explosive growth potential of Bitcoin and its deflationary nature, it has the ability, by no means certain, but better than the stock market or most other investments you can think of, to be that retirement fund that’s been eluding you.

If everyone nearing retirement right now went out and bought a single bitcoin, there would be a virtuous cycle of rising price and interest that could carry us all into a brighter future.