I’d say 50% is far less then the single-entity in a centralized solution.

> Before you argue about WU fees, Bitcoin's fees are no better than Western Union's, hence Transferwise.

Early in a new technologies adoption there will be pain points. I consider we are still very early on. Work is actively being done to alleviate this.

Still waiting on your response for high-interest countries and the unbanked.

[0] https://www.coindesk.com/bitcoin-taproot-upgrade-dogecoin-te...