Well until there's a widespread day-to-day payment system using crypto what exactly are you on about? It's like an article about tyre-wear and you say "flying cars never have tyre wear". Crypto has yet to mature to a point where anyone can easily use it with 100% safety etc. Until then I'm still happy to have my funds in a bank and covered against fraud etc. along with the ease of use of a credit card & snapscan.