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Dude we are talking the steps you need to get a credit card.
And that is if you can.
but of course you are comparing a thing that was invented on the 60s with another that was invented on the 2010s, the acceptance of technologies can take decades.
It's easier to have a credit card because people are socially conditioned to do so
Bitcoin social conditioning is pretty weak—cypherpunks hate getting out of the building and talking to people