Ha, that's a classic! It's like saying a horse can keep up with a Ferrari just because they both have four wheels. Fiat money may be the norm for now, but it's no match for the speed and convenience of Bitcoin. Maybe one day everyone will recognize this underlying truth... or maybe horses really do belong on the open road.

You have to take unspent pennies and put them into the ACH transfer where they are destroyed to create new unspent pennies. Makes more sense than how it actually works.