Only on a tiny scale compared to all global commerce, though. IMHO, what we need is the digital equivalent of cash, something ubiquitous and readily understood,

Only on a tiny scale compared to all global commerce, though. IMHO, what we need is the digital equivalent of cash, something ubiquitous and readily understood, which can be handed from one person to another when both know who the other party is, with as little added ceremony on top as possible.