Nu cred ca ai inteles problema deoarece sigur esti putin mai redus.
Una e sa vrei un sistem european de plati, care sa mai reduca dependenta de Visa, Mastercard.
Alta e sa vii cu un euro digital plin de restrictii si sa il vinzi ca mare progres. Daca nu pot tine mai mult de 3000 euro, daca nu primesc dobanda, daca firmele nu il pot pastra mai mult de 24h si daca limita aia poate fi schimbata in functie de “contextul economic”, atunci nu mai vorbim doar de un payment rail european ci de un produs controlat politic, facut in asa fel incat sa nu supere bancile.
Si faza cu “nu te obliga nimeni sa il folosesti” e very low iq. Asa poti justifica orice la inceput. Daca statul il impinge in infrastructura publica, daca devine legal tender si comerciantii sunt obligati sa il accepte, atunci nu mai e chiar o optiune oarecare de pe piata.
Plus ca argumentul cu “Visa si Mastercard iau 3%” e mult prea simplificat. In UE comisioanele mari sunt deja limitate pe partea de consumer cards. Deci nu poti sa justifici orice CBDC prost doar pentru ca “macar scapam de americani”.
Eu nu critic ideea unei alternative europene. Critic faptul ca UE putea sa faca un sistem european de plati simplu, ieftin si competitiv, dar in schimb vine cu un pseudo-cash digital care are plafon, nu poate fi economisit, nu produce dobanda si are reguli speciale ca sa nu il folosesti prea mult.
Esti prea redus intelectual ca sa intelegi implicatiile, salut
@Zghire_@_FXTR_ my brother doesnt remember the issues that came after BOME meta :)) solana has no max tx, we'll just get first tx in and get 50% of circulation and slowly dump on all incoming buyers.
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But what we had back then was inefficiency + belief at scale.
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Hard to recreate that exact dynamic.
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