I think I figured out why I wasn't too high on this movie (no pun intended). The ending was being too smart for it's own good. Bitcoin was still new at the time to the public so they could make up a bunch of shyt for it to sound good and tie the film up. They do this in movies all the time. Think about it, does anyone know what bearer bonds are or how they work? No but the villains in Beverley Hills Cop wanted them, the same in Die Hard.
And the entire N word discussion could get cut, it's just awkward and weird in a rewatch.