Speed of transactions absolutely needs to be fixed. What the technology wants and what the user wants are two very different things. Hour long settling times are absolutely fine for bill payments but not great for getting groceries (unless you open a tab I guess)

The problem will hopefully get worse with space colonization. I have been wracking my brain for a system of payment that is location invariant. I think it can be done but it won't be quite as trustless as Bitcoin.

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I'm glad there are others thinking about this.