Being in Vietnam i can attest the gap, and the gap also exists within the country. It isn't unusual to see customers at Starbucks opening their wallet to show t

Being in Vietnam i can attest the gap, and the gap also exists within the country. It isn't unusual to see customers at Starbucks opening their wallet to show they filled all the debit card pockets in full. The population has an instinctive distrust for centralised authorities for the most part. Although very patriotic, they wouldn't place their life's worth of wealth in any of the several government controlled banks. Nor to the more independent or even foreign banks either. And it's good that way, Vietnam has a thriving crypto scene and may very well be one of top adopters of crypto. For what business use case they don't know quite yet, but it will come.