But why do you insist bitcoin network to be payments network .. when it is not .. it is a value network ( proof of work ) .. Value network is whole lot more useful than a payments network .. in fact there is none to date except of course #Bitcoin .. I think of #bitcoin as my fixed deposit account ..I won't spend it till I really need it .. but I do like features that I can transfer my FDs to my kids or friends .. and it is non KYC and not as cum ersome as transferring stocks or bonds or RE ..