政府应该帮助小投资者更好地了解加密货币

沃伦·巴菲特和比尔·盖茨不喜欢加密货币，但大约两千万印度人似乎喜欢加密货币。今年，许多印度人一直在购买加密货币，尽管

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

政府应该介入，帮助小投资者更好地了解加密货币。

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?

尽管沃伦·巴菲特和比尔·盖茨等大佬都表达了对加密货币的厌恶，但大约两千万印度人似乎是加密货币的粉丝。今年，许多印度人一直在购买加密货币，尽管他们必须缴纳 30% 的收入税。大城市和小城镇的人们，比如阿萨姆邦的巴巴卡和古吉拉特邦的博塔德，都在投资这些数字货币。您甚至可能认识您的家人或邻居中的某个人拥有加密货币！但这是好事吗？

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!

比特币是最著名的加密货币，因其剧烈的价格波动而臭名昭著。想象一下，1 月份以 47,000 卢比的价格购买它，6 月份价格飙升至 71,000 卢比，9 月份跌至 54,000 卢比，然后现在突破 10 万卢比。原来如此，真是难以预料啊！

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.

最近的一份报告显示，许多印度人不再购买比特币和以太坊等知名加密货币。相反，他们将钱投入“模因币”和“游戏币”。模因币是作为笑话或基于互联网模因而创建的，但有些人认真对待它们。例如，埃隆·马斯克 (Elon Musk) 喜爱的狗狗币 (Dogecoin) 多年来几乎一文不值。当马斯克发推文谈论它时，它的价格飙升，但风险仍然很大。

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.

其他模因币，如 Elongate 和 EMax，因 Logan Paul 和 Kim Kardashian 等名人而变得流行。但名气并没有持续多久。 Kim 甚至因为在没有诚实支付广告费用的情况下宣传广告而被罚款 1.1 亿卢比。

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.

问题是，社交媒体快速传播这些故事。希望快速致富的年轻人可能会借钱购买这些有风险的硬币。如果价格暴跌，他们可能会失去一切。

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.

尽管印度中央银行（RBI）希望禁止加密货币，但另一个政府机构 Sebi 希望像美国一样对其进行监管。政府需要尽快做出决定，并向小投资者提供明确的建议。如果没有适当的规则，人们可能会因为模因这样脆弱的东西而损失辛苦赚来的钱。