the problem with their logic is their system is proprietary and centralised so it's not resilient like physical cash or lightning or bitcoin

the only thing that makes bitcoin and lightning less than perfect is the event of a massive internet failure, or at least where you want to use it... i am pretty sure that a LOT of money is going to already be going into R&D to EMP proof the internet...and i'm quite sure that wireless networks are gonna get the chop, they are completely worthless once there is a big enough geomagnetic storm, radios are the first thing to fail when the air is filled with electrons... shielded, grounded stuff and optic fibre can survive this, and that's basically what i expect in the next 5 years or so, such a massive event that literally everyone stops using wifi and mobile phones, because everything, i mean everything, even the ones in the warehouse, are toast