It's a great point but not the main one imho; the main reason it didn't take off is that it is a centralized design.
Philip Zimmermann on why Chaumian ecash never caught on despite its solid cryptography. https://blossom.primal.net/657e05957b9e682137945cccca6f2f801bcf42ddda4fe0474fbc64a0e4da4ed9.mp4
It's a great point but not the main one imho; the main reason it didn't take off is that it is a centralized design.
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