Agreed. My comment wasn't organized well and I can see that it linked the two statements, but I don't mean it like that. I was referring to credit cards being

Agreed. My comment wasn't organized well and I can see that it linked the two statements, but I don't mean it like that. I was referring to credit cards being a service that consumers value because they have fraud protection and other things. The parent was talking about arbitrary restrictions and freezing accounts. That typically happens when you have fraud on cash accounts (bank account, debit card, etc). And a credit card layer works extremely well. I just had someone accidentally send me money on Venmo and I returned it to them right away. Cash or cash equivalent digital services are nice, but it limits "purchasing power" (great for consumers IMO, bad for merchants), has no rewards, and little to zero fraud protections. Countries that use chip and pin on debit cards are definitely more secure. This should be in place in all countries. Fraud on a debit card is a nightmare. Fraud on a credit card is not usually a big deal for consumers. Regardless of the various financial instruments, bitcoin cannot be a real currency when it's value is unstable.