I agree, it is true. Or even worse. For example I was investigated by Revolut for a normal, definitely not dirty transaction. What if it is really dirty? I also prefer P2P and cash. But as long as people prefer electronic payments (look even at @npub1mftv...rkl3 - many are "send me to revolut"), this will have utility. But it will have utility also beyond this. Imagine for example instant release of collateral when you repay a loan. You have contract (Firefish), all is good, they would release the collateral manually, but now it would instant, you don't have to wait for anyone. Or imagine onboarding to Cashu, or some Nostr wallet peer to peer. You send someone - not the Cashu / wallet operator some fiat and you get Bitcoin/cashu tokens instantly. No third parties, no fees, no KYC(!) by a centralized entity. It is not anonymous, but there is no central entity collecting your identities.