this post was submitted on 09 Mar 2024
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I think it's funny how most lemmy users are pro open source, pro privacy, pro digital rights; but once it comes to money all that is thrown out of the window and they happily get on their knees for paypal and the few other large players.
Yes, the current state of crypto is a mess. People are attracted by the promise of the big payout, rather then seeking an alternative payment system, making them ripe for scammers that promise the world, but in the end only rug "investors". Even "functional" cryptos are often highly centralized, making them as bad as banks in terms of reliability. Almost none implement any privacy features, and if they do, its typically a tacked on afterthought.
But this does not make the original idea invalid. Will it ever live up to the promise of alternative money? Maybe. Maybe not. Only time will tell if the issues that exist right now will be fixed.
If making payments in crypto back to FIAT was free it would be more popular. For me it's mostly useless since the fee to spend crypto is more than the (often free) fee for using my credit card.
New needs to be better and cheaper to be picked up.
There's attempts at having payments with 0 fees, that is, if you don't involve exchanges or payment service providers, who obviously charge a fee for fiat conversion.
Using Nano you have 0 fees for the transaction and ideally as little as 0.25% fee at an exchange for fiat conversion.
It's not only without fees, it's very fast (ideallly sub-second confirmation) and eco-friendly (requiring no special hardware, because there is no mining and using very little energy overall).
What's lacking is places where you can actually pay for things with Nano, but that's the classic chicken and egg problem.