> These are the sort of real-world constraints that you can't just ignore.

These constraints were drafted by a handful of rich white bankers in a secret meeting. I have no problem ignoring their constraints. It seems you do.

Can you imagine all the hot-takes HN would generate if email were invented today?

"You can't just encroach on the sovereignty of USPS like that" "Electronic Mail doesn't do anything the pony-express can't do" "If we allow Electron Mail then how do we attach a postage stamp"

Email adoption, like Crypto doesn't require convincing the entire population. The laggards will join eventually.