re: BitCoins - Who here has used them or has stock?

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Like once all 20 mil are discovered, then what?

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No one knows and it will be another 15 years or something like that before they are mined.

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And who decides the exchange rate for real money, when they are just fake coins some guy made up?

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The market does just like anything else. Supply and demand.

It's all interesting stuff and some people think Bitcoins or one of the alternatives it has birthed/will birth could one day be strong enough to take down world markets and governments since no one person or interest group regulates them like real currency.