But it's not that simple. How do you handle fraudulent paments when you can never refund a bitcoin transaction? What about scale? If 20 million people used b

But it's not that simple. How do you handle fraudulent paments when you can never refund a bitcoin transaction? What about scale? If 20 million people used bitcoin, it would take over a month for a single transaction to process. You couldn't even use bitcoin to pay for rent on time. And no, the solutions to these problems are tacked on and over-engineered, which to GP's point, is too complex for average payment users.