chokepoints like kyc/aml on a lot of serivces. we use to use spritz finance for paying bills. but they started using persona and it killed that for us. tried another method. zypto. have to dl their wallet, but bill pay also required kyc/aml. persona... that's friction. resorted to p2p trades. person pays our bill we pay them bitcoin. lotta begging. not fun. don't want to strike or cashapp. but leaning that way. bank accounts looking like a solution... going backwards.

we travel a lot. use to get gift cards and debit cards. debit card started limiting amounts. we found travala. it works.

we use to do just about 90% of our life with bitcoin. when we live out of the US, it's doable. just go to countries where its more accepted. but in the US... seems like all it's good for is hodlin' or spookin' normies.

and yeah, merchant adoption... friction everywhere.