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A very good comment yesterday from one of the lead #Matrix developers:

> What are the benefits of decentralized servers over p2p?

* A server-based system gives you a well-defined secure place to keep an always-on copy of your data, with whatever physical/geographic/network security model you prefer... rather than smearing it across a bunch of handsets or laptops which could get lost/stolen/run-out-of-storage etc.