The bear case for privacy is if crypto only amounts to a glorified SWIFT replacement
In that world, only on-/off-ramps transact onchain. People wouldn't need privacy because they wouldn't have their own wallets
But that's clearly not where we're headed. People WANT to have their own wallets because
- They can avoid off-ramping, which is usually the most expensive leg
- They can hold USDC for longer, which beats converting to local currency
- They can spend from it, via cards today, and directly through stables tomorrow
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