The Global Intelligence Crisis of 2028 is not an exaggeration, but a reality that is highly likely to come. The modern credit economy system that has been familiar for decades will gradually disintegrate. Its core logic is four words: excess intelligence. What will the surplus of intelligence bring? There is a vicious cycle here: AI works well → companies lay off employees → less consumption → more investment in AI → worse. This is not a problem of cyclical cycles, but a problem of institutional destruction: AI is too powerful and can replace human labor, but without work, people have no money to spend. No money to spend, who will buy things? If no one buys things, the economy cannot turn around, forming a vicious cycle. The economy has become a 'ghost GDP': there is more output on paper, but real money and silver do not circulate - because machines do not eat, buy clothes, or travel, and only people spend money to revitalize the economy. To solve the problem, money will be given: similar to using deficits or AI taxes to give money to the unemployed; Alternatively, a 'Shared AI Prosperity Law' could be implemented to distribute profits from AI companies to the unemployed. In this way, the modern credit economy system will gradually weaken and shift towards the UBI era. The government uses UBI or similar transfer payments to maintain a cycle: AI output → taxes AI companies → sends money to people based on certain standards → people consume AI products. The probability of entering the UBI era is high, but it also depends on policies: the United States may be divided (poor people rely on UBI, rich people have AI stocks). An interesting topic in the future will be the criteria for making money, one being UBI, which is based on individual hair; More parts, according to some kind of "contribution", this contribution may not necessarily be making money, but may be social service work or other. What does this situation mean for cryptocurrency investment? The surplus of AI intelligence has led to a credit crisis and a decrease in consumption. Cryptocurrency is usually a 'risky asset' with a higher probability of collapsing first and then rebounding. In the face of a debt crisis, encryption cannot stand alone. However, after the crisis, the probability of the Fed "printing money" is high (exceeding the largest in history during the pandemic), causing the depreciation of the US dollar and driving a rebound in cryptocurrency. For Ethereum, if UBI becomes a policy option in the future, transparency and fairness with privacy are important. Therefore, there is a high probability of using stablecoins and blockchain to send money, and Ethereum, as a neutral platform, is also highly likely to be used to send money. In this case, Ethereum has the opportunity to build a universal identity system+wallet, and once money is sent on the chain, the scale and activity of the on chain economy will become very interesting. In the next few years, it will be an era where the old system collapses and the new system has not yet formed, with various turbulence, especially short-term changes that will be significant. Although there are great opportunities for AI and Crypto in the long run, the problem is how to ensure that they do not fall off the table.