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It's not that hard, and the absolute number is not that important, just that a majority decide to use it, forcing the rest.

I'm guessing USicans just don't realize the world has moved on. Large countries tend to be isolating and the US is no exception.



I didn't say it was "hard," it's an inertia and funding problem.

We know how better it is in other parts of the world, we aren't dumb.


Most Americans don’t know anything about banking in other countries.




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