TL;DR - Summary

It may be better to focus more on merchants since they have the most to gain financially in the short-term. Its all about the MONEY :

Transaction savings (very low to no fees depending on if payment processor used)

Immediate settlement

No charge-backs

Ability to undercut competitors still relying on bank cards and their fees

And this will in turn drive individual adoption organically!

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Individuals or Merchants?

The age old argument, which came first the chicken or the egg? We obviously want/need both! But I am putting forth the idea that the focus should be more on merchants since they have the most to gain financially short term- Its all about the MONEY! And this will in turn drive individual adoption organically!





Some of the MANY Benefits to the Individual of P2P Cash

Enhanced privacy & anonymityf

No intermediaries

No ID required

No background checks

Censorship resistance

Borderless-ness

Trustless-ness

No permission required

Allows sovereignty and disobedience

Insurance policy against an Orwellian future





Benefits of P2P Cash to the Individual While Many are More Subjective

There are many benefits for the individual in a modern society to adopt P2P Cash. But they generally have less to do with saving money (at least compared to merchants). The benefits to individuals are more subjective, where each person may have widely varying desire for the many benefits P2P Cash has to offer. Most of these benefits are typically much more important to the P2P Cash innovators and likely lessening as the adoption life-cycle progresses (diagram below).

P2P Cash Benefits to Merchants

Merchants have the most to gain financially in the short-term. Its all about the MONEY :

Transaction savings (very low to no fees depending on if payment processor used)

Immediate settlement

No charge-backs

Ability to undercut competitors still relying on bank cards and their fees

As more and more merchants display the Bitcoin Cash Accepted Here logo, many offering promos to use BCH etc...; adoption will increase organically! I am not saying that we don't need to spend effort on individual adoption, just that we likely will see better results long-term emphasizing merchants. People respond to incentives! Money is a HUGE incentive and merchants have the most to gain financially-short term!

This of course leads us to what are the best ways to get merchants to adopt P2P Cash? That is a subject for another day and I expect many of you have great ideas, plans as well as actual experience doing just this!

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Assumptions (obviously there are lots of exceptions):

The majority of people in modern societies are banked

People respond to incentives

The majority of people do not place a high value on privacy. The fact that there are billions of people using social media like Facebook, Twitter and others is proof of this. While not all these users post about their daily lives, many if not most do.

Most people know and/or care little about about what fees the merchant they are dealing with has to pay. They focus on the item or service cost.

Most people are generally comfortable with and used to bank cards

Most people in modern societies have ID and are used to showing it when asked.



