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If you believe USD will maintain its value (which historically it hasn't) and that banks will not steal your money (which historically they have), then why even use Bitcoin. You're arguing the wrong points, it's not about who can be faster than who, "I can change database values faster than anyone!" It's about guarantees on that action and no central entity (e.g. Bank) can match the guarantee provided by the decentralized, trustless nature of Bitcoin.

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SEPA is the EU, not the US, so atleast for me it's not about the USD at all.

I can agree that Bitcoin can makes some guarantees that a Bank for example could not make. But to some extend I doubt I need those guarantees, my bank hasn't stolen from me and has no track record of doing so, personally, I'm fine with trusting them for most of my net value.

That of course doesn't mean I don't play around with Cryptocurrencies, Ethereum is quite an exciting tool to play around with for example. Bitcoin is a bit boring though, plenty of other coins have replicated the functionality.

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