I personally feel that Bitcoin maximalism is strangely stubborn but aside from that she makes a lot of good points.

People here who automatically hate the article because it's associated with their idea of "crypto", please consider some of the problems raised and how you would solve them as a technologist in a holistic way.

If you take it seriously then you will end up going down the route of learning about digital signatures and cryptographic ledgers. And end up with some type of cryptocurrency.

Also most people don't understand the difference between a centralized "cryptocurrency" exchange and the actual core technologies that can advance our systems of money. Please realize that these exchanges and related activities are actually antithetical to the concept of cryptocurrency and don't use cryptocurrency for their internal books etc.

Save yourself time, if you scroll far enough down you'll start to hear about crypto. It ends with,

"I recommend holding actual bitcoin"

> Despite the multi-century head start that banks had, the percentage of people in the world with a smartphone has already exceeded the percentage of people with a bank account, and is rising at a faster rate. There’s no reason why everyone with a smart phone shouldn’t be able to access basic financial services including good money.

oh there is a reason.