Yes for sure, the point is that you don't save in the credits (they are effectively worthless on a long enough time scale) and you can immediately bridge them into whatever you want (bitcoin).
This is not meant to be a final system, its meant to be a bridge mechanism that allows natural community adoption in whatever the locals spin up rather than forced mechanism of global agreement (which may be technocratic governance much more quickly than bitcoin standard). It runs parallel as local infrastructure before people are willing to accept bitcoin.
You can't convince people to spend their bitcoin very easily. You can't convince people to buy bitcoin when they're willfully ignorant about it. You can show people a workable system they can engage with that doesn't mean they even have to understand bitcoin or technology.
I'm not even saying it needs to be off bitcoin (I'm trying to talk about tradeoffs and meeting egos), I'm saying we need more decentralized layers to allow other groups to exchange more readily with whatever we spin up.
If we don't have different ways to get into the frame, the masses will flock into regulated technocracy because they can't get their hands around bitcoin practically as an alternative. They don't think macro. They want to outsource their responsibility. We just need them to outsource it locally rather than globally.
Make many micro systems that have gates to interact and exchange between tribes, because tribal is here. The people will figure out that bitcoin is the smartest settlement when they get burned by holding the wrong credits.
There is a lot I don't know on the tech side, I come from grassroots paper and pencil scaling communities, so the tech I'm just trying to map over time.
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Right I hear you. I used to worry quite a lot about what the masses would or wouldn't do. Personally I saved myself a lot of stress by letting go of that to focus on what I had control over.
What you're describing sounds quite a lot like federated ecash mints, which are well under development. It's pretty heady stuff, but the UX is improving. We may not have a physical cash solution yet, but it's not impossible.
People are becoming very comfortable paying with their phones now though and the most anonymous way to do that, that I'm aware of, is with ecash.