Quote from: stompix on May 24, 2019, 09:01:11 AM

I'm so happy when I read that there are users around here who are not falling for the same blockchain is better than anything, including stracciatella ice cream, and will replace everything, in the future we will even have our babies on the blockchain non-sense.

Speaking of living under a rock, in some countries at least in the EU, banks have evolved a lot in the last few years.
Zero atm fees, 1 euro a month account maintenance and app access, instant transactions for an account in the same bank, 24/7, less than one our interbank transfers in the same country, automatic payments for your bills at zero costs and much much more.

Bitcoin is money, banks are service, it's such a big difference and people tend to forget what each of them does.

You will NEVER have a credit card with the help of Bitcoin alone, you will still need a third party and even if that will be Bitpay or Coinbase or anything else they will still act like Banks and be Banks.

I live in eastern Europe and it's like you are describing - there's no maintenance fees at all, transaction are instant or take a few minutes at worst, I can conveniently pay all bills in my bank's web app. My only problem is that I wouldn't trust them with all my savings, and that I don't know how would they react if I suddenly deposit a big sum, when I'll decide to cash out my bitcoins. But I might try looking into opening a bank account in some other country, to avoid putting all eggs into one basket. But this is probably not the issue for most people, so I'd say that overall banking is in a good spot in terms of user experience, which is why people have few reasons to consider crypto, and why blockchain isn't solving anything.