I was emailing rent to my roommate 6+ years ago for zero fees with GPay, it's hard to see it being easier than that.

well, it is. for instance, for my rent rebalancing i have to pay more than $2500 and gpay doesn’t allow that. the fees would be fractional cents.

in fact short of wiring i have not found any service allowing me to send more than that in a day and certainly not with instant deposit

gpay takes 1-5 days to appear in account, i can spend the money i transfer here immediately

Too many malicious actors in crypto for it to become mainstream, sorry, not sorry

The community needs to self police and remove this problem if they ever want me to give it a third chance. There are several other fundamental issues in crypto, so not sure this will be enough on its own to reach mainstream adoption

For example, I don't want my transaction history on a public ledger, encrypted or not

"Crypto needs to self-police and remove malicious actors" and "Crypto needs to stop having a public ledger" are two contradictory actions where achieving one would make the other impossible.

How so? Plenty of private system are fully capable of removing bad actors, if anything they become easier together

I already have stable digital dollars in my bank account, why do I need another one that costs me more money to use?