You finally hit on the fatal flaw: taxes and regulations! I've thought about a crypto debit card, but I'm in the U.S. and I'm not sure it's even available. But if the end user is responsible for keeping detailed records on conversion from crypto to fiat every time they fund the card. That's just not realistic. That's never going to happen for the average user. I would do it to comply, because I don't want to get into trouble with the IRS. But I think that's the largest problem right now. Is anyone actually paying taxes on their crypto gains? (This is why the IRS is suing Coinbase, correct?) I mean the less crypto users comply to governments, the more the governments will crack down with regulation. How do we break through that Catch-22. The only way to make it work is 100% crypto adoption and just living and spending in that space. But that's never going to happen... in my lifetime. I don't know. Just thinking out loud. Good interview. Keep them coming. Also, I was very curious as to his comments on the ICO and having to give up "less control of your company". So what is the ICO investor really getting? If the only way to make money is praying and crossing your fingers that the token's valuation goes up. I don't see how ICO investing is so profitable. What am I missing? Thanks Chris.