Ok, and that's fine. It gives people choice. If people want the option where you trust the customer, that's what credit cards are for. And if people make the

Ok, and that's fine. It gives people choice. If people want the option where you trust the customer, that's what credit cards are for. And if people make the opposite choice, that is ALSO ok, and is what crypto is for. It is still very valuable to be able to move that trust somewhere else. To give a concrete example, what if the merchant is inherently more trust worth in a specific market? Then, it is BETTER to put that trust on the merchant.