Avoiding getting triggered by the focus on crypto rather than Bitcoin, and the random citation of unrelated talking points, this piece still makes a few interesting points. One has to read it with the right mindset.

But imho there are actual grassroot initiatives that allow to go straight from cash to lightning wallet circumventing the need for the big exchanges that indeed cater to the privileged rather than the unbanked, e.g pooch wallet in PH.

I have good hopes yet not naive that many of the early adopters are the privileged class from the old system.