@matthew

great article. two thoughts: - I buy the argument in my replies that there are occasions people would and should want chargeback protection, but as haseeb says the point is that it's not the assumption. - maybe crypto adoption doesn't come from consumer at all? maybe it comes from merchants and payment providers. no chargebacks + lower/no fees seems like a good deal for merchants. if merchants switch over / push platforms like stripe and square to switch, that will make it easier for consumers to switch (use cases!).

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