> (1) a practical cryptocurrency thingy that actually does that without charging me more than the drinks, and I don't understand why some people are so cash-av

> (1) a practical cryptocurrency thingy that actually does that without charging me more than the drinks, and I don't understand why some people are so cash-averse, but the problem you mention seems best suited to cash at the moment, or perhaps one person having a tab and the rest throwing him some cash at the end of the night. Once Crypto becomes more efficient for this kind of thing (different tech like Algorand, or second layers like Matic) maybe there's a better use case for this kind of smaller problem. > (2) a reason why it shouldn't just be a service that connects to ACH or another settlement layer. Privacy seems like an important enough reason. I don't want the government to know if I choose to go to a gay bar. I don't want my bank who controls whether or not I get a mortgage to know how much I chose to drink one evening.