The rat is what? Hmmm...that can actually be the correct analogy in there by Bill Miller. What we have in the current financial system using the fiat money as controlled by the government is not sufficient and efficient enough, so we need an alternative and this is what cryptocurrency is providing. Though I must say that it too is not perfect but definitely much better. I am hoping that BTC will not one day end up under the control of financial institutions and will be really in the hands of the people - hopefully not just another wishlist in the future.