Absolutely agreed. But there’s a huge “legal” scam industry around it (essentially you are converting universal, fungible currency into scrip with an expiration

Absolutely agreed. But there’s a huge “legal” scam industry around it (essentially you are converting universal, fungible currency into scrip with an expiration date and strings attached), on top of which the illegal scam industry builds on (both sides benefit off each other, so the legal side has no interest in discontinuing operations or even measuring how much of their turnover is actually as a result of illegal dealings).