I'm not arguing that crypto is necessary. I'm telling you that I can use it to settle a transaction in the US right now in minutes that currently takes days to

I'm not arguing that crypto is necessary. I'm telling you that I can use it to settle a transaction in the US right now in minutes that currently takes days to settle through bank transfer. I'm glad to hear that instant bank transfers are coming and I'll use that tech happily when / if it arrives.