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 You still use fiat? Come on bro. You know that this is a feature not a bug.

Monero will absorb fiat money like a black hole. 
 you live in a dream world

monero is doing the job of cash, online, you can see by the fact it's virtually a stablecoin now

you seriously think that the even greater amount of transactions that happen online with fiat can be replaced by a blockchain

*laughs in Visa and Mastercard*