Yes, I completely agree. There's plenty of tech available to achieve many of the goals of functionality, affordability, and privacy a motivated team of developers could have. Just that it's often unnecessarily difficult to build and use. Probably things will be much better in a(nother) decade, but the whole thing is still a work in progress. In the meantime, why pay the cost 100% of the time for avoiding a bad thing that happens 1% of the time? Cryptocurrency has its utility, but much less when minimizing trust isn't a requirement.
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