I have had some thoughts on crypto but basically trust is required in every system, yes there are trustless ways to do things but that isnt the main issue

I think the main issue is that our current credit/debit cards primitives can be stolen/worried about, there are companies which accept your free tier and will auto charge you and hope you forget etc.

Another issue is privacy, Crypto provides some privacy by having usdc <->monero <-> usdc <-> pay where you want.

Another issue is for teenagers, I am a teen, I can't create a banking account but I have accepted money for 0 fees well technically but exchanges are a mess and I have used those to buy domain names and similar via crypto.

I think that there are stable cryptocurrencies with low or 0 gas fees so it can allow some primitives like just having a public key online -> convert it to respective token's -> send lets say 0.1$ as a token of gesture and then like it can enable a sense of microeconomy but the people who try doing it try to mess it up by having their own coins or whatever whereas I believe stablecoins should be the one doing it

Personally I really prefer gold tokens because that is the best way to get "yield" in my opinion because most places like aave etc. kind of work via providing liquidity to traders or this gambling and due to ethics and just in my opinion, gold coins since pegged to gold have an 100x more volume which is genuine.

Personally as a teen, I have always loved the tech behind crypto because it can enable somethings impossible but its current implementation with 0 pegged coins,trading/gambling etc. sucks and is scummy. I think stablecoins are genuinely really nice

I have shared it in another comment but frankly let me reshare it : https://justforhn.mataroa.blog/blog/most-crypto-is-doomed-to...

Man, I really wish if there was someone who can work with me accepting crypto usdc <-> bank account as I know people in some industries who want to work with crypto but crypto is regulated with them in their country basically or like personally although I stay away from crypto even though I have built things on top of it (nanotimestamps), I would love working in stablecoins but I think that the market is saturated and it requires a lot of regulations and funding to establish a new stablecoin and for what basically when there are already good enough options?

Personally I dont think much of what I said makes sense if you are an adult (90% of the population) 90% of the time, privacy makes only sometimes sense when you are buying something very privacy sensitive and want to fundamentally be unable to link yourself with that identity

So mostly crypto would just be for ephemeral things, like I buy some monero right now instantly sell it to someone, like no need to "hold" things imo or only holding a very small amount

Or it can be good for teenagers which I wish man, people should do something about it.

Also for less transaction fees that visa/mastercard etc. take, I wish if companies can implement UPI transactions/Pix transactions or some system expands soon relating to it but UPI is genuinely so good that most of you do not know what you are missing out on if you aren't Indian. I have heard good things about Pix too