Consumer Crypto

the payment use case is extremely overhyped in crypto

most consumers prefer centralized payment options and the benefits of centralization (fraud protection, security, etc) will probably always outweigh anything decentralized options bring to the table

we have to find use cases where decentralization is actually an advantage

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I think for people under 30, paying friends in crypto is actually a good way to increase adoption. Part of the reason I like crypto is because Wells Fargo has fucked me over so many times.

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