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We can avoid the pitfalls of the evolution of old banking by knowing about them and choosing to avoid them
It's called Bitcoin
If users demand good, local banks then ecash can be useful.
"seriously you guys its different this time" herp derp
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It can be different if people want it to be different. I grant that getting people to want the right thing can be hard…
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We can avoid the pitfalls of the evolution of old banking by knowing about them and choosing to avoid them. If users demand good, local banks then ecash can be useful.