You can focus design towards a strong sovereign-monetary decentralized trustless censorship-resistant digital currency ; Or towards a fast less-decentralized digital currency + non-trustless censorship-vulnerable payments network.
Choose.
Can't prioritize both - as the ol' bearded coder explains, there are 'engineering trade-offs' that need to be made when working with reality.
Nobody wants to replace debt. There will always be people willing to sell their futures into slavery.
The credit cards are in no danger.Truth on a silver plate: most of the people don't even know there could be an alternative to their slavery. But they love debt because det give them a big house a big car and a big wallet full of money they have to repay. And they will continue like hamsters forever.
None are more hopelessly enslaved than those who falsely believe that they are free.