@BowTiedNightOwl i think honestly we'll see a lot of the exact same ideas that were too early for average joes that popped up this cycle make a strong come back in about 2 years when everyone has gotten used to L2s
Once you've sacrificed centralization -- by having the actual money be held by USDC at a regulated bank -- why pay up for decentralization lower down in the stack?
nobody cares about decentralization in abstract.
that is why you have to set the standards at the beginning.
email (SMTP) is decentralized and everyone uses it just fine, but if it started centralized, we would have never gotten it decentralized.
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