Is it compulsory to take home insurance? And if I take the home insurance, what will that actually cover?

You are saying blockchain technology is the most secure option for cryptocurrency, but if the mining is mostly controlled by a few big players, then how can the blockchain network stay fair and independent?

I am applying for a fixed 9.74% APR student loan with Citizens Bank, with a principal balance of $9,500 and a cumulative interest of approximately $5,630 over a five-year period. Are there any choices to refinance for a lower rate? Is this usual for student loans? Are there any better choices other than Citizen Bank, which reduces the total interest paid?