[kuschku]

> very slow and expensive cross-border transfers

The EU did more to solve that issue than crypto ever did.

15'000€ in under 10 seconds, for free, across the entire SEPA zone.

Converting fiat into crypto, transferring it, converting it back still takes far longer. And keeping money as crypto isn't a working solution, because the currencies are so volatile.

Not every crypto solution adds transparency and accountability, look at monero or mixers in other chains.

And then there's the issue with deflation. Inflation is something valuable, because it means doing something today is valued more than what you've done in the past. It encourages people to spend money, to do something with it, instead of saving it forever.