Estonia solved that problem. Your crowd likes to do its own research so I’ll let you look into it
Regardless, XRP tried to solve bank to bank transfers, which is what you’re mostly talking about. Too bad the issuers saved a lot of the currency for themselves (like any Ponzi scheme) and we’re full of shit. Bitcoin doesn’t even claim to do what you’re claiming for “crypto” as a whole. Maybe if a specific, we’ll managed currency with that application arose you’d have a point, but currently, WRONG
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