>But it is not that easy. You also have to cut the wallet manufacturer and the software developer out of the loop. Better get computer literate, and better yet

>But it is not that easy. You also have to cut the wallet manufacturer and the software developer out of the loop. Better get computer literate, and better yet, cryptographically savvy. Oh, but wait, all those microprocessors have closed blob firmware, closed source designs, and you have no idea what type of higher level industry collusion (be it with regulators you disagree with, or just within themselves to ensure they maintain a niche) they have going on. Guess you'll have to bootstrap your own hardware/firmware/software stack, and maintain it yourself. ...No, there is no /s. I'm dead serious. That's what you're proposing shakes out like. Look, it ain't an unfamiliar sight to me. I've also seen it exploited in the other direction (industry doing everything they can to maintain their relevance to the detriment of everyone else) too many times. What I guess I'm trying to say is: no one (in power, or to an extent abstractly) actually wants to empower people to be able to financially self-service.