So we're all back to hoarding money under our mattresses? There will always be central banking infrastructure controlled by billionaires who are more socially

So we're all back to hoarding money under our mattresses? There will always be central banking infrastructure controlled by billionaires who are more socially important than you. We can't just "go decentralized." An average person is too busy to even remember their password to gmail is "password456" and not "password123."