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Is Crypto Finally Dead?
(beehaw.org)
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I am confused that you think cash is fiat, but a checking account also denominated in dollars isn't? Or else your responses seem to be a nonsequitur.
I am constantly surprised where the need for cash pops up. The local ice-cream stand. Any used purchase from another individual found on Craigslist or Facebook Marketplace. Even just reimbursement for family and friends you don't want to set up accounts for.