The idea of an instantaneous way of transferring money around the world was still appealing. But I’d tried out the fox-head icon, and the idea everyone would one day store their cash in some version of it was preposterous. Traveling around the world investigating crypto had given me a new appreciation for my Visa card. It worked instantly, with just a tap, charged no fees, and never asked me to memorize long strings of numbers, or to bury codes in my backyard. It even gave me airline miles. When my wife’s account was hacked and used to book an Airbnb, we were given a full refund with just a
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