Re: [neㄘcash, ᨇcash, net⚷eys, or viᖚes?] Name AnonyMint's vapor coin?
Looks like I have to take a 2-3 month diversion to create my own programming language that can compile to Javascript. The programming language would be rudimentary in its first incarnation, compiling only to Javascript and no other tools such as no debugger (can use the Javascript debugger). I am working on the LL(k) parser grammar now...
Progress:
https://users.rust-lang.org/t/design-patterns-for-composability-with-traits-i-e-typeclasses/5569/57 (read the post and the subsequent one in the linked thread)
Interest rates may or may not matter to Venture Capitalists , but it does matter to individuals that can think and want a profit while keeping their principle intact. 
Only an idiot would believe a checking/savings account is a safe place to keep money right now.
Those so-called idiots outnumber your VCs and they are risk averse.
They will trust their cash in a mattress before BTC.
And they will determine if BTC ever reaches true Utility.
BTC has still got years of Public Relations efforts to go thru before the majority of the public trusts them.
And the governments can clamp down on BTC at any time using capital controls on the exchanges, because if the most of the world doesn't accept BTC unless they can immediately convert it to fiat as has been explained upthread by smooth (e.g. Bitpay, etc), then BTC becomes an illiquid asset once the government issues capital controls. BTC is not immune to government action (especially G20 coordinated action) because BTC is not a widespread unit-of-account.
However, BTC has apparently become the unit-of-account of crypto-gambling, but it is not yet certain if the demand for that will remain if people no longer believe they can cash out to fiat unfettered when they want to, and the risk of CC failure due to centralization is a big factor that would cause speculators to be hesitant about thinking they could HODL/gamble in BTC long-term until capital controls cease.
This is my goal is to fix the centralization problem with my CC design and also I am going to make CC a very popular unit-of-account for social network payments. But first I am creating a new programming language, then I have to create the social network, and then finally the CC, so hell may freeze over before I am done.
Note I also contributed the key technical insight[1] into how to make decentralized exchange work so it can't be jammed.
[1] Find my posts in this thread and note that TierNolan is one of the original inventors of the DE protocol, but it had a jamming flaw until I fixed it: https://bitcointalk.org/index.php?topic=1364951.0