[lucb1e]

Any currency controlled by any one individual is either (1) used by only one individual, or (2) not a crypto currency.

As for making the USD easier to use on the web, I think we call this system PayPal. Except it should be less evil.

[nhaehnle]

There have been proposals for anonymous payment that relied on a bank issuing tokens. That is certainly a kind of "crypto currency" despite the central control.