Cryptocurrencies do not address what @beebs93 accurately describes as:
> ... complex instruments/workflows that are no small feat to handle and handle well.
Cryptocurrencies are, by definition, currencies. Just like other ones, they do not address what commerce workflows exist to satisfy.
And as to "0 fees and instant transactions" argument...
That's all fine and dandy until a purchase is contested. At that point, the lack of a third-party which arbitrates between the merchant and customer, with legally binding consumer advocation mandated, will become painfully obvious.
> ... complex instruments/workflows that are no small feat to handle and handle well.
Cryptocurrencies are, by definition, currencies. Just like other ones, they do not address what commerce workflows exist to satisfy.
And as to "0 fees and instant transactions" argument...
That's all fine and dandy until a purchase is contested. At that point, the lack of a third-party which arbitrates between the merchant and customer, with legally binding consumer advocation mandated, will become painfully obvious.