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My comment is going to be like a tangent to a tangent, but since it's about Bitcoin it sort of comes back to the original topic.

I agree about digital payments, but one of the things that I found disappointingly complex about Bitcoin is needing to receive change when making a payment (https://en.wikipedia.org/wiki/Unspent_transaction_output).

I only made a few Bitcoin transactions because I found the whole experience did not feel like the future. That was a while ago now, and as other commentors have pointed out, it not seems obvious that the real value in Bitcoin lies elsewhere.