NO! We do not need that. There are all these podcasters and a bunch of people saying that we should set one up but it is not needed. There are more people who are living from paycheck to paycheck than ever before and they have no money to set up such an account, and they cannot afford to buy crypto currency of any kind. When the financial system finally switches over to a precious metals backed currency, all prices of goods and services will be much more reasonable. Also, no one seems to notice the obvious: what happens if power goes out? All that crypto is history.