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 Transparent, slow, and expensive 
 Transparent is good, it's orders of magnitude faster than bank settlements, and it's about $.40 per on-chain transaction, which is competitive with bank settlements for small transactions.

Or if you prefer, use the lightning network which is instant, private, and nearly free. 
 LN is custodial, no way.
Transparent is bad, very bad. 
 Who told you that I didn't buy it early?!
I bought, I used a lot before.
My concern is that people stopped using BTC as a  currency, p2p money, it became speculative investment first.
That's one thing, another is that since it's got hijacked and became BlackRocks asset, we have better alternatives for private, fast p2p money.
If you have eyes, you will see. No hate here, brother 
 No hate here man, in fact I did exactly the same. I think everyone wishes they'd bought their first sats sooner though. Because it's a savings technology. But in 20 years when everyone is using it, right now will be the regretable "sooner" for all of them. 
 We need p2p now, not in 20 years