Atleast in the US, Visa backed by a bank. 7 transactions per second versus 24,000 transactions per second. Banks are fdic insured and handle security for you. You might be capable of securing a private key that you actively use like a debit card number, but I'm not confortable with it and there's no way I'd let my aging parents near financial vulnerability like that with an 80 foot pole. As much as we all hate banks and all the bad they do, they provide necessary services.
if you compare centralized vs decentralized with tps you really don't get what's all the deal about no government control and immutable ledgers. downvote away and think about this comment in 10 years.
actually, due to the fanaticism that exists against cryptocurrencies in HN, I think it will take over everything. People hate it either because they didn't get in early or because it's disruptive to their work or because they would like to understand it but can't and many other reasons.
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