True, but from my perspective... I think every bank I know of has been in the news lately starting up a crypto department. I'm not saying they're replacing fiat. But when a dog puts his nose up your ass you're going to notice & know he wants something...
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Sure, crypto has a lot of potential, but it has a long way to go to catch up with fiat. Could it one day overtake it? It could. Are we sure this is going to happen? I don't think we should be.