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As a 14 year old programmer and tinkerer in 2004, I had no problem buying a Helium-Neon laser for an experiment and paying via PayPal.

As an 18 year old tinkerer and hacker in 2008, I had no problem signing up to take payments via PayPal and running a little side thing selling home-assembled widgets out of my bedroom.

And as horrible as PayPal is, cryptocurrencies have even more friction and risk.

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> And as horrible as PayPal is, cryptocurrencies have even more friction and risk.

This comparison with PayPal is perfect. The way I see it, ACH and wire transfers are to PayPal what cryptocurrencies are to startups and tech that is being built right now. The reasons why cryptos have more friction at this point of time is because the PayPals of crypto are being built and distributed. I see a future where creating a wallet and accepting crypto payment will be faster, easier and cheaper than signing up for Venmo or Square Cash.

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