This is probably the last thread to get any support for altcoins (aka shitcoins), but not for lack of trying.

Still, to me there is a key difference between investing (as a store of value) and using it as a payment system.

Personally I think using altcoins as a pure payment system for small transactions is better than using something like PayPal (or Venmo), because at least altcoins are decentralized for the most part, and some of them tries to improve privacy.

I really like the lightning network (LN), but have to admit also using Litecoin for payments especially after they introduced MWEB (optionally making it more like cash). If using lightning or altcoins fail I try to resort to cash (fiat) but it slowly gets harder and harder to use, especially in Europe, perhaps in the western countries in general, final resort is to use something like Credit Card or pay direct via bank transfer by scanning QR code using phone app.

What do you guys think about payment systems? Shitcoin still worse than Credit Card?