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I think usage will largely be limited to those of us who care about it. We can spend and replace, but to most people that's just extra work.
It's fine. Like the author says, the UX is still not very smooth. There are still lots of potential ideological allies who have yet to adopt. They seem like the margin to work on.
"No one accepts it," followed by "I use it for savings." At least they are realizing that it will be a powerful tool for savings.
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