Crypto has not revolutionized payments for you. It's a revolution for me and other people making cross-border (EU-Ukraine, EU-USA, EU-Africa...) transfers. It's

Crypto has not revolutionized payments for you. It's a revolution for me and other people making cross-border (EU-Ukraine, EU-USA, EU-Africa...) transfers. It's really problematic to make these transfers even today, when in theory everything should go smooth - but it almost never does. Bitcoin works reliably every time, quickly and cheaply. What's $15 network fee when I'm saving $135 compared to bank wire and never lose my money and the other side gets it the same day? And I'm not even talking about the currency conversion cost savings and reduction of exposure to currency moves - 5 days is enough to see small currencies crash to 10% of original value. Bitcoin usually won't crash to 10% in a day or two. What you're listing as a downside is actually a upside - both sides are happy to cut out the 3rd party and replace it with two 2nd parties - the sender/recipient and the cryptocurrency exchange. It's less hard and cheaper than finding a common third party (also, finding a common party is impossible in some cases) and much more reliable/trustable in summary. Yeah micro-payments and in-store payments are not revolutionized by BTC, but that does not mean BTC is useless.