Fair points, cheers.

You’re not really selling it for me, which I guess is the point aye? 😂

What I imagine as ideal is an open-source and transparent bank and payment system that issues its own currency backed by ties to its investment portfolio that is properly regulated by its host country. i.e. you would use their currency to trade among others on the platform according to the percentage value of their portfolio that you own as measured by the currency to which you which to convert your holdings for a given purchase. You could select different tiers of risk if you’d like your “savings” to grow in value over time but experience potential dips or even loss of value if there is major market stability.

I am not an expert on such things, but this at least has real links to tangible asset worth, and isn’t based on the artificial scarcity of an increasingly unsolvable math problem.

Banks or governments as opposed to who though? There’s a reason we usually want those publicly owned and regulated institutions to handle our transactions. Obviously, it depends what country you live in, and what currency you’re talking about. But I don’t think Bitcoin or any other cryptocurrency actually solves the problem it purports to.

Why use them and not… normal fiat currency?