If the problem is sending money to your friends electronically (otherwise I'm nto sure how Bitcoin solves the problem of remembering debts or splitting bills),

If the problem is sending money to your friends electronically (otherwise I'm nto sure how Bitcoin solves the problem of remembering debts or splitting bills), this is a solved problem for some people. My credit union lets my transfer money to any other member of the credit union instantly with no fees. As it happens, nearly all my friends are members of this credit union (it's local and offers a much better deal than the banks) - and they have a mobile app so you can do it from your phone. They've just added a general ACH function to it, to transfer to any account, but I haven't used it so I don't know if there are any associated fees. It doesn't mention any, but I associate the word ACH with some kind of fee. So to me, this isn't a "find a new currency and financial system" problem, it's a "find a better bank" problem.