in maybe a few tens of countries. everywhere else it's still stone age.

stop thinking like someone in a first world economy and remember there are billions of people out there who have no access to decent banking and never will. they will go straight to crypto when they're ready enough. right now the expense is often too high and capacity too low but that's gonna be solved.

we've already seen that in africa with mpesa. the same will be repeated worldwide. by ignoring the needs of a huge percentage of the world's population bankers have ensured their eventual irrelevance. by allowing internet commerce where it wasn't previously possible a vast number of people will be hauled out of poverty and brand new markets will develop everywhere.

one thing i'm pretty sure of, someone with your attitude means you'll be long gone by the time it really takes off.