GP said essentially that they hoped crypto would fade away because FedNow is coming and will make it irrelevant. My point was that the vast majority of people

GP said essentially that they hoped crypto would fade away because FedNow is coming and will make it irrelevant. My point was that the vast majority of people don’t have a US bank account and so FedNow is in fact irrelevant, except to the 5% of people who can access it. I didn’t expect the parse with the comma inserted before “in the US”, because it’s obviously absurd to say that only 5% of Americans have a US bank account.