I think the problem is that real money is pretty easy to use. You tap a card, or a phone, or hand over a wad of paper or polymer and some chunks of metal. It is visceral, it has next to no friction, and it’s relatively painless. Everyone can do it.
Currency transformation has traditionally taken place over a period of generations. It’s always value for value. Local. Globalisation screws a big bunch of this, for example, i was cooking some frozen potatoes the other day. They came from Belgium. I live in Australia. I can’t imagine in what world it would be cheaper to bring potatoes from Europe to Australia than to grow them locally - and not only that, to have them frozen the whole way!
Anyway, potatoes are not crypto. They’re not money - but If I had a lot of potatoes, I’d very much like to trade them for something that is something I don’t have.
Crypto doesn’t have to be complicated. Under the surface, cars are ludicrously complicated pieces of engineering, with each component being probably just as complex as some other systems - but they’re easy to use.
When we can pay / earn our crypto (without conversion fees, and middle men taking an unfair margin) - and no one cares about the form of value, just that it is value, that is when we might be see more rapid uptake in crypto for “ordinary people”.
Sure, the banks and credit card companies already take their value along the way of traditional monetary systems, but they need competitors. And currently, crypto doesn’t compete anywhere near on that scale, and certainly nowhere near the level of ease.
RE: Crypto Life: Complicated Stuff That Doesn't WORK!