Keep debating and keep arguing...in the meantime, there are those of us that are using the technology to do business better, faster and cheaper. I used to wire $10k to Europe from the USA...at a cost (via Chase) of about $350, and the process took 6 days...then I started using TransferWise and got my cost down to about $150 (still had to pay wire fees to get $ to TW) but it added a day or two to the process (eg: more than a week). Now we buy/hold bitcoin for these purposes (and hedge against volatility and hold some in Tether, etc)... and , when we need to move funds to Europe, we send bitcoin to Kraken, exchange into EUR and do a same-day SEPA transfer to our bank in Germany... it takes less than a day now... and costs about $20. We are decreasing the time of funds lock up by 90% and reducing our costs 90%. Not bad.