What do you think crypto is intended to do? and by whom?
Cryptocurrencies are meant to allow payments that governments (and banks, which can be conflated with them) cannot see, block, divert, or undo.That is not explicit in Satoshi's paper, but seems to have been a basic assumption by most of the crypto fans, especially the most ardent ones. (Reducing credit card fees is not something that would get people that excited about, is it?).
Most cryptocoins seem to be designed and supported with that goal in mind. Some bitcoiners are even adopting other coins because they do not see bitcoin as sufficiently robust in that regard. Few coins, if any (Ripple perhaps? I don't know about it) are designed to allow the same level of control that governments now have on bank transfers.
facepalm...
you walked straight into that one.






