I know about that stuff, but I just don’t see how you fix the fundamental problems of crypto without turning it into basically another ACH anyway. I.e. to regulate out the scammers, enable people to reverse transfers, tamp down on the straight out pump and dump schemes, wallet hacking / securing, the central exchanges going bust or being a scam themselves…

I just think that by the time you make it equivalent to Visa or PayPal for end users, you’ve now made it basically one of those.