Your credit card has a history of all of your transactions (and we know that data is used to profile you). Taler makes it so that your transaction history is pr

Your credit card has a history of all of your transactions (and we know that data is used to profile you). Taler makes it so that your transaction history is private. In addition, Taler is _federated_ not fully decentralised. It works basically how cash works, except you don't need to be a new country to set up a new currency. In order for a particular mint's cash to be spent you only need that mint to be around. I don't get why "decentralised or bust" is the end goal. Federation with individual privacy is still an improvement over centralised credit card companies. Also, like it or not, but Taler has much better privacy guarantees than BitCoin.