Given Strike's unreliability on exchange fees due to not being a real exchange, and the liquidity depth issues that brings, this isn't built to scale, and there could easily be hidden 2% fees. So they are 5 years away from making the next (Transfer)Wise?

I don't get why people cut bitcoin startups so much slack around what they actually do vs their plans given that the fiat rails are not still. Fiat will still be equally trash in 5 years, but "fintech" does generally trend toward various improvements.

Even consumer protections generally increase. No one gets hit with tons of fees from their bank for being poor and having a low balance. Was not the case 5, 10 years ago.

If there is no clear mechanism by which it might double the pace of adoption, it is a LARP.