1. You can easily have a local payments system without creating a new digital currency. So it's not hard to make people wonder, in perfectly good faith, why tho

1. You can easily have a local payments system without creating a new digital currency. So it's not hard to make people wonder, in perfectly good faith, why those two distinct ideas are being bundled right now. 2. Before you portray disagreement as "hostility," please try to keep the site code of conduct in mind.