Your third sentence could just as easily apply to the Bitcoin network. Miners ( third parties ) take their cut ( transaction fees ) and the processing time is

Your third sentence could just as easily apply to the Bitcoin network. Miners ( third parties ) take their cut ( transaction fees ) and the processing time is dependent upon the generosity of the fee-payer ( low-fee transactions are left out of blocks until finally swept after hours or days ). You don't have a way to pay someone else BTC without participating in the system at least once. I'm excited by Bitcoin but it isn't financial liberation.