Everything is dumb until it works. As 2020 comes to a close, the cryptocurrency world is experiencing another late-year surge of consumer interest as prices climb in value. Bitcoin is over $23,000 as I write to you, an all-time high. Ethereum’s cryptocurrency has recovered sharply as well, returning to mid-2018 prices. The Exchange explores startups, markets and money. Read it every morning on Extra Crunch, or get The Exchange newsletter every Saturday. These gains have created a huge amount of wealth for crypto holders. According to CoinMarketCap, after falling under…