If I need to pay a neighbor $10 for some random kid's stuff I'm buying from them, how much am I looking at net? Using PayPal that appears to be $0.78 cents. With Apple Cash, it's $0.15.

I'm not saying there's no interesting technology going on but most normal people are going to go with the option which is cheapest unless it's a LOT harder to use.

Which as far as crypto goes, was unambiguously written out of the legal financial world since it's inception.

XMR is really interesting from a technical perspective, but I worry it’s not as anonymous as folks think.