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Interesting points about enforcement.

But I think the real barrier to adoption is that most people don't mind using centralized systems. If their Visa card works when they swipe it, they don't think beyond that. If it's easier for the end user when systems are centralized, breaking people out of this mindset will be very difficult.

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I'm fairly pro privacy, but where it comes to currency, I don't see the benefit.

I certainly don't see the benefit of burning the amount of energy the average bitcoin transaction is now responsible for, when (as you say) I have Visa.

And with Visa I can charge-back if I get ripped off. Bitcoin is, AFAICT an actively worse proposition for me.

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