I've noticed a new type of Bitcoin FUD recently. It's quite subtle.

Instead of the usual "it's for criminals", the argument goes:

"It's not a real technological improvement over fiat, just a way to get around regulation".

It seems to imply that the obvious solution is just to tweak payments regulation. Obviously, this is highly regarded since that will never happen, and also because that's only one element of Bitcoin utility (lol, try tweakings regs to prevent money printing).

A could retort could be: "yes, just like medicine is not a real technology, governments could simply stop wounding people in wars"