I would say that there isn’t a concrete definition of what it is. Besides it would take an agreed upon centralized authority to give a blanket definition. In the end we are all making decisions relative to what others are doing. But yes, remaining in a western world, doing modern things without any 3rd parties is impossible.

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At the time is almost impossible to do it without 3rd parties, unless with exchange your coin for cash in a P2P way, but even in that way you will need to do transactions with the legacy system for normal needs.

Agreed.