this post was submitted on 22 Jun 2024
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Mildly Infuriating
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Because it’s convenient for paying online (one login instead of having to search my debit card and also, if I got scammed, there’d be another layer of protection for me) and it’s convenient for sending money to friends when we order pizza together or sth like that. What’s the alternative?
Venmo, Google pay, apple pay
No one I know has venmo. Most people I know wouldn’t even know what venmo is. I’m not even sure it’s available here in Europe. I believe it actually isn’t, can’t find it on the AppStore.
And Google pay and Apple pay are nice and I personally use them but I’m not always on a device that supports them, I’m not always on shops that support them and I know a lot of people who don’t have credit/debit cards, only giro cards, and those usually aren’t supported either. And, at least in Europe, you cannot send money to friends via Apple Pay or Google pay.
In EU, you need to use PayPal at all.bank transferes are instant, banks provide disponible debit cards , you can use Google pay Almost anywhere, which keeps your Privacy. Where is that you NEED to use PayPal in EU?
Instant bank transfers cost me 49ct each and for most people I know it’s similar. PayPal is free. And I already use Apple pay, why would I use Google pay on top?
Does you bank have an option to send money for free? Mine does l. You just download their virtual wallet app and you can send instant transfers for free from that app to anyone that uses the same service. And most banks here offer it. They call it FLIK and it is really convenient.
I can send money for free but only within 2-3 business days or to accounts at the same bank. Instant transfer to different banks costs 49ct
Revolut, n26 try any bank whicubisbgood in online or the BIGGER names mostly has instant transfer, in my experience its the middle of road banks that are taking time .
Ah that kinda sucks
Monero
So, crypto?
Absolutely. It is absolutely the future of finance.
And Twitter is absolutely the future of social media!
See, we can all post statements that are clearly detached from reality and entirely incorrect.
I know one person who owns crypto, no shops that take it and I know of too many people who speculate with it. If it is the future of finance, that future is still fairly far away.
Where I am from everyone used Venmo... I never wanted it, I had PayPal forever due to ebay I think in the 2000's so why did I need another service that did the exact same thing as PayPal and it's even owned by the same company! Sadly, I lost that battle and caved. Idk why everyone said let's use venmo or why it got big, but I'm stuck out of convenience for others now.
Personally, I love Zelle the most since it's a direct transfer from bank account to bank account and available immediately without the 2 day wait like the other services.
Venmo is owned by PayPal, so that might not solve anything
All data sucking big corporate leeches. I wish giropay would take off more
Bitcoin? Ether?
Really? Crypto? For one, I know almost no online shop that takes crypto, almost no person I’d send money to has crypto and I don’t want to own crypto either since it’s rather unstable…
Price Crypto at the one-year simple moving average, and the volatility stops. I personally use crypto all the time and make my budget using the one-year simple moving average and it completely eliminates the issue with the volatility because that average takes a very long time to move.
Still, I don’t know any non-shady online shop that takes crypto.
Gratuitas.org sells premium grade coffee for Monero. You can also look at monerica.com. There are absolutely tons of legitimate businesses that accept crypto. Actually, when it comes right down to it, it makes a whole lot of sense to accept crypto because the transaction fees are so damn low that businesses save a ton of money over credit card transactions.
But why should I base my shopping habits around a currency/platform when I could just use one that almost everyone takes. When I want to order off a random online shop, I do not want to think about whether they’ll even take the money I have.
Fair enough, I'll be the first to admit that it takes work in order to use it. I'll give two reasons. One is a monetary, and one is not.
Reason 1: If we are right, and 15 years of data shows we at least have a point, then you would be an early adopter and very likely end up very wealthy.
Reason 2: You can buy anything from anyone, anywhere, in the world at any time without permission. And it's guaranteed to be irreversible in 20 minutes.
How is that a good thing? I want to be able to chargeback if I don't get what I ordered.
That's what multi-signature escrow is for. You deposit money into an account and you have one key. The vendor has one key and a third key is given to an arbitrator and at least two keys must sign the transaction in order for it to be completed. If the vendor sends you your product and you are happy with it, you sign the transaction and the vendor signs the transaction and the vendor gets the money. If the vendor does not send you what you ordered, you talk to the arbitrator and the arbitrator listens to your case and the vendor's case and makes a decision.
So it is speculative.
And should I feel the need to buy something from somewhere I need permission for, I will consider getting some crypto. Haven’t had a situation yet where cash didn’t suffice though.
What? No it doesn't, you're just shifting the volatility from your pricing to your consumption.
And that's fine because you will always buy your requirements such as food, water, shelter, and transportation no matter what the price is. But you don't need that new Xbox right now. It keeps prices steady, which is what people expect from a currency. And the more people who do it this way, the lower the volatility will become because more people are using it.
The elasticity of demand is not static.
Sounds like an addoption problem for you. The question asked what other alternative there is and cryptocurrencies solve the problem you stated there is no alternative to. Simple as that
They don’t. They could maybe. But I want an easy solution to transfer money to people and pay online. Crypto is not that solution because I cannot pay with it in most online shops and I cannot send money directly to other people. The money has to be exchanged to some arbitrary other currency.
Unless everybody used crypto as their main currency and everybody used the same cryptocurrency at that, it’ll always be an extra step, subject to fluctuations in exchange rate and possibly fees/taxes. As long as that’s not the case, it’s not an alternative. So yes, it’s an adoption problem but one that isn’t realistically solvable any time soon
This doesn't solve the adoption issue, but you can use "stable coins" like DAI that are pegged to the dollar.
Ever heard about chargeback? Credit card is supreme in terms of protection against scams.