I have an app that lets me transfer money to stores, friends, whatever instantly and without a fee. It’s build by our largest bank but works any bank. In stores

I have an app that lets me transfer money to stores, friends, whatever instantly and without a fee. It’s build by our largest bank but works any bank. In stores it functions like apple or google pay. If it gets hacked I get my money back. Basically it does everything cryptos promised to do, except it actually works and it’s centralized. Mean while I have a few cryptos sitting in a wallet with no real way of turning them into anything because nobody accepts them and no services currently let me turn them into fiat in my country. It’s been 9 years and I think we’re further away from seeing a decentralized currency than we were 8 years ago. Back then you could at least buy coffee with BTC, you can’t even do that anymore. I do think crypto helped the financial industry step up. We wouldn’t have had our bank app if there hadn’t been competition, but I don’t see us ever moving to a decentralized economy.