That is true, but I think crypto is past the theoretical stage and is here to stay. It's more reliable than some countries' currencies and and even in strong countries like in the US, it is becoming more important for those distrustful of the government and the tax authorities.
Plus #Bitcoin just hit an all time high!
You didn't mention that the same banks are rapidly pruning their own branches as more people convert to the paperless Electric Dollar. But No worries. AI will soon tell people where and when they can slide/tap their card to the benefit of the banks.
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