Fair enough, payments (credit cards, in particular) is a particularly hard area to decentralize... or at least democratize a bit more. I'd love for an open pay

Fair enough, payments (credit cards, in particular) is a particularly hard area to decentralize... or at least democratize a bit more. I'd love for an open payment standard for p2p payments and individual-to-business/institution payments to become available so that individuals could establish their own connection point to a fair payment exchange network. This will only come with regulation that forces it, though. See India's UPI system, for example.