I didn't dismiss anything out of hand, I replied to all your questions as objectively as possible, but you just pretend that I didn't. I also would not have you believe anything, I am not trying to sell you anything here. I just answered your questions because I believed they were genuine questions. I am now starting to question that...
My question to you: what is your alternative? USD has many of the problems you mentioned and more. Transactions happen "off-chain", monetary inflation largely benefits the wealthy, etc.
Pretending you’re not a crypto proponent is funny while trying to imply the other person isn’t genuine.
They already said fiat doesn’t have close to the same issues as crypto. The monetary inflation benefits to the wealthy are nowhere near the same for Bitcoin or any crypto. It’s a fraction of how bad Bitcoin is. They also basically said that multiple times too.
They have answered the rest too. Being on chain isn’t an issue for fiat because they aren’t trying to be on chain. They aren’t trying to shoehorn in blockchain.
My question to you: what is your alternative? USD has many of the problems you mentioned and more. Transactions happen "off-chain", monetary inflation largely benefits the wealthy, etc.