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A bit off-topic, but the fiat networks don't/can't transfer value. They transfer credit.
The Bitcoin protocol/network, on the other hand, does actually "transfer" value.
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By that you mean they are IOUs. Not bearer instruments.
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Yep, forgot about that. Removed a ton of barriers. I think people forget this when they talk about the boom at the turn of the century. People like me :)
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It was probably pretty exciting when the telegraph was invented because it allowed us to "transfer" value globally.