(1) and (3) are optional. (2) is a value add though; the credit card oligopoly, Stripe, PayPal, ... have a lot of power and choose to bias that power toward PR

(1) and (3) are optional. (2) is a value add though; the credit card oligopoly, Stripe, PayPal, ... have a lot of power and choose to bias that power toward PR control and liability mitigation over letting you actually move and access your money. Crypto isn't the only solution, but in the absence of a benevolent, less profitable payment provider or else appropriate legislative action I don't see anything better coming down the pipe.