Is it just me or is the very idea of a USDT "stablecoin" rather pointless? I can see in theory it has some use, but in practice it is essentially just replicating a payment network like Mastercard/Visa/American Express, but with less security because it is decentralized and held on all sorts of vulnerable devices. If somebody struggles with the means to open a bank account because they are less technically minded, then chances are they will have even more trouble securing a cryptocurrency wallet like this. It's not necessarily a scam, it just recreates the wheel really - the whole banking system is already doing this job and probably a lot more efficiently because of decades of experience.