But there's no reason consumer protections, user friendly addressing, and other features can't be built on layers above the base crypto protocols. For the monet

But there's no reason consumer protections, user friendly addressing, and other features can't be built on layers above the base crypto protocols. For the monetary system to be optimally flexible the base layer should be fully neutral and permissionless. Then there's nothing stopping people from building crypto banks on top of those base protocols, which could add in consumer protections like refunds. Think about the internet, it's powerful because the base layers are neutral, allowing for the free flow of information.