I think there's some confusion here, you can use a credit card and have it processed on the back-end as a debit transaction, for a consumer the distinction is almost unnoticed.
This differs greatly according to global region. Germany from what I've observed is an outlying for noticing the distinction (mostly because they suffered from very high credit card surcharges for decades vs the rest of the world).
there's lots of places to spend crypto if you look, and I don't feel like needing to associate my identity just to purchase digital goods. Crypto facilitates that. People forget it's even an option.
> sinking ships can only be done when near the surface.
Isn't this itself a huge assumption?
Sinking ships via upward facing torpedoes would be a huge tactical advantage at first glance. Less time to detection and deploy countermeasures or evasive maneuvers.
Perhaps, I am wrong in assuming they cannot be fired below a certain depth?
