So this includes annual issuing, physical transport of coins and bank notes ("cash"), ATMs and points-of-sale and card payments, wire transfers and debit as wells as "banks" (under bookkeeping!). Compared to just "issuing", bookkeeping on chain and payments in crypto.

Imo, completely biased comparison until the whole population (as they include cash) can pay all their groceries, a sandwich at the corner store and a bus ride in crypto as well as pay taxes.

It is worth noting that the author has a consulting company around cryptopayements

Is the misspelling of "payements" intentional? is this industry slang/terminolgy that i am unaware of? If not then maybe it should be.

"HACKERSNEWS HEADLINE MISSPELLING BECOMES NEW TERM FOR CRYPTO PAYMENT"