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There is word that $600 will be given out in the US as aid along with the consistent 'quantitative easing' I think most would agree that isn't going to help the people much and so people are turning to crypto as a means of relief which in turn is why I think banks should take cryptocurrencies seriously now as a major competing system.

Along with your 'four key benefits' I think barrier to entry to do blockchain is low as compared to do traditional fintech.