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You can’t fault folks for being “negative” when Armstrong’s narrative did in fact prove to be very wrong. He’s saying in 5-10 years Amazon isn’t going to suffer paying CC interchange fees, and yet here we are and that hasn’t changed.

Folks are talking about mainstream acceptance of BTC, and that means holding 1-3% of the balance sheet in BTC and an eccentric billionaire with an electric car company accepting them for payment.

To be sure, the underlying crypto value has blown up, but it’s integration into society has fallen well short of Armstrong’s predictions in 2012.

More mature/older tech individuals have seen this cycle play out before, and so they’re just not as quick to embrace the unchecked enthusiasm and optimism.




I’m mean credit card fees are still too high but I guess it’s harder to build a payment system? With square on iPads though it seems like an alternate could exist even though everyone loves Venmo...




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