There were cards out there that lent people crypto currency when they used them that people then had to pay back at the end of the month? Or did it work differently? What is the difference between a crypto credit card and a crypto debit card?

In sum, we strongly believe that it's beneficial to preserve our ASIC resistance. Therefore, we will perform an emergency hard fork to curb any potential threat from ASICs if needed. Furthermore, in order to maintain its goal of decentralization and to provide a deterrent for ASIC development and to protect against unknown or undetectable ASIC development, the Monero team proposes modifying the Cryptonight PoW hash every scheduled fork, twice a year. The modifications will be light, and should not change performance profiles much. The first change is now being tested, and will happen in the coming March fork. Finally, we will continue to research alternative Proof of Work functions that may provide better ASIC resistance than Cryptonight.

Patches will be available for the following software: zone117x's pool, Snipa's pool, Lucas Jones' CPU miner, wolf0's CPU miner, ccminer-cryptonight, sgminer-gm, xmr-stak, xmrig-nvidia, wolf-xmr-miner.

This is only second in this blog post, but this bears emphasis:

Do NOT reuse your Monero keys for any other purpose, including Monero forks.

Your Monero keys are *Monero* keys. Using them on another chain will destroy your privacy, as well as others'.

If you want to fork Monero, don't be lazy, start your own blockchain like others did before.

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It will be interesting to see if the hash rate crashes after the first change thus providing compelling evidence that there is currently asic mining of monero. Personally I doubt it but I will be watching intently regardless.

The botnets have to upgrade for every fork anyway, right?  Like everybody.

Monero is dead if PoW algo is changed now in March.