I told him about various problems that all these projects are solving. He says most of them are self-created and the rest are not solved yet but only promised to be solved.
He does agree that it's easy to transfer funds but if we consider from Bank to Bank, the steps of conversation (to cryptocurrency and back) are added since to use these funds you need fiat for almost everything right now.
And what if the phone is out of battery or the internet is down, how would the payment thing work at the local grocery store?
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