[ashtonkem]

I’ve never really struggled to send money where necessary. The distributed nature of solution creation has created a quasi monopoly around Venmo (see what I did there?).

The unavailability of ACH on the weekends is less of a protocol problem and more of a habitual problem; bank transfers used to require people doing work by hand, and that habit remained.

I think smart contracts have proven themselves to be significantly less useful than originally anticipated.