That is the endgame - paying for coffee with cryptocurrency tokens. That would be if crypto really took off so much that payment networks for the average person

That is the endgame - paying for coffee with cryptocurrency tokens. That would be if crypto really took off so much that payment networks for the average person and physical businesses accepted cryptocurrency. This would be in the future - if it happens at all. There are some moves to do something like this for online payments - think "stripe for crypto" - such as Circle's business SDK for USDC https://www.circle.com/en/ https://www.circle.com/en/ and USDT on Tron for Pornhub payments https://www.theblockcrypto.com/linked/53826/pornhub-adds-tether-to-its-payment-options-via-tron-wallet https://www.theblockcrypto.com/linked/53826/pornhub-adds-tet... I reiterate - this is a massive experiment. It's rethinking the entire financial system to be rebuilt using open APIs and protocols. All sorts of weird stuff is happening on it, most of which will fail. Just like in the real financial system, which attracts lots of scammers who are constantly hounded and penalized by regulators, there are lots of scammers here. Even more so because they can't be arrested as easily (or ever). But it's open and anyone can use it, for better or worse. So the question is not why you won't use it for bookkeeping, purchases, credit card rewards, etc. It's why is anyone using it at all? You know easily why you yourself won't use it. But Bitcoin is still worth $150 billion and Ethereum $20 billion - clearly a lot of people want it, and value it. It's a slow, difficult, complex, risky network. But people keep building on it, experimenting, improving. People find it useful for certain things. As long as those things stay useful, I believe it will at least maintain its value. But if people build more things, and find more utility, then it goes up in value. Do I personally have all of my wealth and retirement tied up in this? No, absolutely not. Way too risky. But do I own some crypto, find utility in it, speculate, and experiment? Yes! The ecosystem is so vast I can't briefly explain all the use cases. There are many use cases, many reasons, many things people want and use crypto for, and more every year. This is a multi-generational experiment. It took hundreds of years for the modern financial system to come, and only a decade for this new one, so it needs more time.