Quote from: ico-services on Today at 09:01:00 PM

- Too complicated for masses

The world is going more literate, and the more people will know more about bitcoin. But, with bitcoin having a marketcap of over $500 billion, then who are the ones that are using bitcoin, are they not the masses.

Quote from: ico-services on Today at 09:01:00 PM

- No 100% reliable back-up protection if private keys are lost or stolen

Seed phrase can be the backup, it will be easy for backup than private key. The privacy is for us to be our own bank, then the responsibilities are ours.

Quote from: ico-services on Today at 09:01:00 PM

- No charge-back option (this is both pro and con)

Explain yourself better.

Quote from: ico-services on Today at 09:01:00 PM

- Not enough big merchants

We do not have this an issue, time will tell. Also do not see bitcoin only as money, it is also an asset.