The learned people do not only use it for the minimization of financial constraints but also for the minimization of the cost. It has no doubt faced so much criticism and has actually paced down now but once you are optimistic about a technology, you will never leave it behind and will always keep an eye on the things that could be used to use it much more efficiently. It has helped me in many ways that is the transaction of money across the borders and many other tasks as well.