I responded that I knew just enough to be dangerous and asked what he was struggling with…. His main concern was that the fees were too high. I didn’t think that he was talking about transaction fees as much as the on-ramp conversion fees to buy #bitcoin. I then went through how adoption and competition would drive down those fees, etc… and how I used to pay $15 a trade on etrade, then it went to 10, then 7, then 5, now zero…. I thought I was making good headway and using valid arguments. (2/n)