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So it seems to me as well, and even when you're dealing with most kinds of digital commodities, I don't see how a smart contract is helpful. Say I bought some software from valve or microsoft or whoever; I pay (with fiat or crypto) download, install and run, if it does not function or is totally different from what is advertised, I can ask for a refund and either the merchant will honor my request or they won't, but a smart contract cannot codify this type of arrangement.

I don't want to sound like a hater, and I think as a developer it seems pretty cool that you can start receiving funds on the web without relying on a 3rd party gatekeeper, but it seems like smart contracts have pretty limited uses (not that they are useless, just very specialized)




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