> no "gatekeeper" telling you who or what you can spend your money with or on That only means you'll use option B for the purchases where option A isn't availa

> no "gatekeeper" telling you who or what you can spend your money with or on That only means you'll use option B for the purchases where option A isn't available, not all purchases. > no ability to "charge back" any money For the purchaser, that isn't a benefit. > no trust needed to transact Either the purchaser needs to send the money first, and trust that the seller will deliver the goods, the seller needs to deliver the goods trusting that payment will be (has been) sent, or both need to trust an intermediary. "Decentralized electronic money" doesn't change this, the only solution is to do all transactions in person.