> Meanwhile we suffer from a hugely incompetent global payment network Incompetence is a cop-out argument because you could argue any organization or community

> Meanwhile we suffer from a hugely incompetent global payment network Incompetence is a cop-out argument because you could argue any organization or community suffers from it given a sufficient amount of time in existence. Plus, it's not like crypto companies have a perfect record either. Look at mt gox, or more currently, the accusations against Tether. If it comes out that they've been lying about their capitalization, which many have argued that they are, it could cause major problems for the crypto industry. True decentralization has not been achieved by the crypto industry, it's merely shifting the rent-seeking from one set of parties to another.