In that situation you have two middle men the banks that own the ATMs on either side and both will want a cut once you start scaling up even if they allow free

In that situation you have two middle men the banks that own the ATMs on either side and both will want a cut once you start scaling up even if they allow free use of their services for less regular transfers. >I don't understand what you are trying to say or how increased usage would make dealing with bitcoins more difficult. In any given country you're only going to have so many buyers for bitcoin. So the service on the receiving end has a limited number of people to sell the bitcoins they receive to in order to get the cash to give to the recipients. As supply of bitcoin increases the buyers will start wanting to pay less and you end up with a wider and wider spread. The only way around this is for that company to then go sell them in a foreign market and deal with a large float and forex/transfer costs. All of which(spread,float risk,transfer costs) feed back into the fees they need to charge or the spread they need to have to keep them profitable. I don't consider $20 to be a micropayment but even then once you include the overhead in acquiring the coins existing systems will match the cost in most cases until you get to a small enough number that Bitcoin is unsuitable too. And yes I've used Bitcoin. I've been involved in the community for a few years now I just don't see it finding widespread success. It's not about blame its about who it is a problem for. Consumers get protection from credit cards that they don't get from Bitcoin. Its the vendors that have the problems and as I said they can promote Bitcoin as much as they want but it won't reduce fraud until they drop credit cards and that won't happen because users don't want to use bitcoin. It is working. I'm saying it won't be mainstream and that the people who have bought in expecting to be rich should be expecting to be disappointed.