You and I are a comical pair.

I don’t picture billions of people. Ever. The amount of hubris involved in that exercise would make Zaphod Beeblebrox blush.

Would it bother me to have to go online at least once a week for 5 minutes to perform a few final settlement action? Not really. I could use the coffee shop wifi to watch prank videos while I wait. But then I live entirely offgrid in a forest. So I’m not in a rush.

You, are in a rush. To get after it in life. Which is great. But the “perfect UI” falacy holds no water outside of a couple wealthy cities, and as a way to justify dev budgets, timelines, and embarrassing low adoption numbers.

Do it well. But not perfect, and make choices for billions of people without their input