Proper OpsSec is a luxury. With crypto: You lose your password, your money is gone. Your password is stolen, your money is gone. A proper solution involves seve

Proper OpsSec is a luxury. With crypto: You lose your password, your money is gone. Your password is stolen, your money is gone. A proper solution involves several hardware devices with additional security (iPhone, iPad, Mac, YubiKey with biometrics, a safe with an envelope, etc.). Most people on earth can't handle it. Credit card fees are high in bank-friendly jurisdictions. Not in most jurisdictions. PayPal only came about because the banking system in the US is so utter crap - that doesn't mean that it's bad as bad elsewhere. The crappiness of banks is contingent on bad regulation. The crappiness of crypto is inherent in the sub-par technology: adding a constraint (eg permissionlessness) is costly.