Hardly. If a merchant accepts VISA, VISA isn't about to deny my transaction because the determination of suitability has been made before hand (assuming that I

Hardly. If a merchant accepts VISA, VISA isn't about to deny my transaction because the determination of suitability has been made before hand (assuming that I have the available credit). There are certainly cash only markets and the unbanked, the latter a much larger issue than the former. But isn't the existence of crypto (digital currency) supposed to be the grand solution to the former problem? Or does the promises of crypto fall down when actually forced to be used as a currency in a mainstream sense?