"The moral of the story is: if you’re against witch-hunts, and you promise to found your own little utopian community where witch-hunts will never happen, your new society will end up consisting of approximately three principled civil libertarians and seven zillion witches. It will be a terrible place to live even if witch-hunts are genuinely wrong." - Scott Alexander [0]
I don't have an answer on how to address that, though. You need to have a very strong stance early on to prevent witchery so your communtiy adjusts accordingly. But decentralization, by its nature, has no way to moderate behavior outside of the core design of the tech.
Banking is sadly one of those few aspects where you need some centralization, in my eyes. That's why finance is regulated the hardest in any given society. You need trust above all else to keep and use a digital currency.
