Javier Alvarez@lxo Because the idea of a bank or phone company (for the masses) is no longer scary. It is an understood entity. There is nothing to figure out, and there are "no consequences" to pay if you choose one or the other. You have to remember that even the word "server" is scary. If, for example, there was a "friendly" layer on top of the network that called them "communities," that would reduce the friction of adoption.
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