ACH costs $0.20 for next-BD settlement, or a little more for same-BD settlement. Bitcoin costs 50-100x that: $10-15-20 for "small number hours" settlement. A

ACH costs $0.20 for next-BD settlement, or a little more for same-BD settlement. Bitcoin costs 50-100x that: $10-15-20 for "small number hours" settlement. A Bitcoin transaction with a fee of $0.20, might settle after several days, but would more likely expire from the mempool before confirmation. And the really fun part is the unpredictability! ACH isn't perfect. But Bitcoin is completely inappropriate for the common ACH use case.