99ish% of the time I think cryptocurrencies are a stupid waste of electricity.

...that said, every now and then I need to make a large payment which is both legal and well within my budget, but is almost invariably declined due to a decision made by a completely unaccountable algorithm.

Getting a response from my bank seems to take at least 48 hours, if they respond at all.

Imagine setting the bar so low that a bunch of libertarians could trip over it. wow.