(By the way, some bitcoiners seem to be trying to convince people to adopt bitcoin by telling them that money sucks. I sense a problem with that marketing strategy: it seems that many people have used money sometime in their lives, and may even have enjoyed the experience -- unlikely as that may sound.

)
If anyone is telling you money sucks, they are sure right about this junk. Fortunately, I never had to use it, and really pity any poor soul who had to.
