Change my mind:

Paying a crypto address is simpler than making a bank transfer.

IBANs, SWIFT and sort codes, account numbers, routing numbers, ACH, ABA, physical addresses (of the bank or of the recipient?), KYC verifications, etc.

Bank accounts are a mess.

Co-Founder at sablier.com, and open-source developer. I have a broad range of interests, including longevity, epistemology, physics, and psychology.

Modern banking infrastructure (in the US at least) makes bank transfers easy (i.e. with Zelle); maybe easier than crypto. *Getting* a bank account OTOH, is difficult by design. It's a universal choke point providing control, oversight, censorship and even the ability to excommunicate you from the Church of Capitalism.

serial founder § software engineer § privacy wonk § music head § theoretical memeticist

I think my preferences are pretty obvious 😅 But I do think we can do better with UX and I think we'll get there if we aren't legislated out of existence in the mean time.