[cowtools]

Cryptocurrencies are secure and dependable in the way that I need them to be and they solve problems that I have with the banking and credit system.

I mean, really. The security of the banking/credit system is not even based on public/private key cryptography. There is no notion of a separate spend address vs a sending address. Anyone with access to your (usually open source or easily findable) information can make a transaction on your behalf. Identity theft is a massive problem which is enabled by the current state of the industry.