Credit cards are more convenient than cash. If crypto can be equally convenient (which I think it can -- see venmo), I imagine people will use it. Are the savin

Credit cards are more convenient than cash. If crypto can be equally convenient (which I think it can -- see venmo), I imagine people will use it. Are the savings of centralization really enough that Visa will be able to stay competitive and profitable? I don't doubt Visa will continue to be used, but I imagine it will be for fraud protection rather than cost.