We’ll agree to disagree on that point. One can easily offer those services without a token and using the ETH blockchain while charging my customers in BTC, USD or ETH. Don’t think there is any difference in security then. Remember I am not saying you cannot charge for Ethereum as a service, but the token itself (unless it is the actual product) is quite senseless. Only in the case I mention, one’d have to do an equity or debt raise which is more difficult and comes with responsibilities as opposed to ripping of investors who never invested into anything else with a token that has no rights or responsibilities (unless the SEC re classifies them all as securities and tries to enforce it). If no rights are attached to these kinds of token in the medium term they will be worthless. Only my opinion of course. I can be wrong.