I think there is more hope to see a common man embracing crypto than convincing a sophisticated banker like this FRB president. Crypto has no place in the mind of these "wise and clear thinking people."
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but I’ve never seen one with more than four.
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That is true. And it isnt only the common one. I think it is the common one in a country that has an awful banking system and little access to stable funds.
HBD could be a big boost.
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Yeah, you're right. Inflation bites. There is a need for stable money.
And not only that, but I think you already mentioned the importance of access to credit. I know of a friend where banks run after him to lend him big capital for his business, but he refused to do so. And here is someone who has an idea but nobody dares to trust him for he does not have a credit standing. Somehow, that's reasonable to protect both the lender and the borrower. However, I am thinking if there is a way to assess the capability of the person to pay his debts based on his income. Just yesterday, I stumbled upon one question in @reverio about the possibility of having a lending platform on Hive. Though I like the idea, I just don't know how it will work on Hive.