> No one Bitcoin advocate that knows how it works is saying Bitcoin will be used -directly- for daily commerce. Even in El Salvador venmo-like apps have emerged

> No one Bitcoin advocate that knows how it works is saying Bitcoin will be used -directly- for daily commerce. Even in El Salvador venmo-like apps have emerged that batch Bitcoin transactions and use credit, much like Visa does to abstract slow ACH or cash. There's something else El Salvador has too. Two really fast ACH networks. The fastest one can do inter-bank transactions in seconds during banking hours. And a second slower one that takes about 15 minutes but covers more banks and is available every day of the year. Payments cards are slower though, they usually take between 2 to 5 days to clear.