I didn't say that. I've just said that it is not possible to have an "open" web payments standard. Someone has to maintain it and link it to the real world mone

I didn't say that. I've just said that it is not possible to have an "open" web payments standard. Someone has to maintain it and link it to the real world money. The only way besides having centralized for-profit organizations maintaining the payments infrastructure is to use cryptocurrencies.