Yeah, but of course money protocols are unique to how ossification affects the users. If there are permutations to email it creates unique usecases and functions that can be adopted. If email breaks, encrypted messages, physical mail, telegraph and the like are also available. Money converges to one because if money breaks, we all go back to barter. Destroying specialization, and reintroducing the coincidence of wants problem.

I've said this repeatedly. We have a Reese's Cup problem in bitcoin "You got your cypherpunk in my economics. You got your Economist in my cryptography." Some people in the space don't have the right balance to know their product sucks.