You introduce a system which efficiently transfers, stores and protects the record about the amount of ponzi tokens, and then you advertise that this is benefit or utility of the tokens.
And you advocate a system that inefficiently transfers IOUs, doesn't store or protect anything if the bank in question fails and may not be available on Bank Holidays for some transaction types.
The simple fact is, the utility Bitcoin provides is real. It performs functions fiat cannot perform. It provides guarantees which fiat is unable to provide.
Or maybe he thinks possibly that bitcoin mining itself is a joke or a mere child's play like drinking a coffee inbthe cold of the day just to shed away shivers, maybe he never knows about what PoW is in bitcoin or needed to understand the whole concept behind bitcoin and its use and applications, if not an ordinary person shouldn't be arguing this far with baseless talks all around, @Snowshow why aren't you keen to learning? Yet you keep insisting on wrong ideas that does not exit, don't you want to grow?.