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    Those are vary serious problems with blockchain, that I think will prevent it from ever being widely adopted by normies. As awful as credit card companies and banks are, they usually help to get your money if it is stolen. With blockchain, this is not really possible.

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      Credit card companies and banks insure against loss. Insurance is an upfront cost and guarantees your downside is minimized. They don't lose money when your money is stolen. Insurance companies don't lose money either because they make more from financial investments than from premiums, so they have enough collateral to create new money to pay out on claims that they never have to pay back because they keep loans rolling over. Eventually loans get forgiven, by the Fed or other currency issuers, and so money is created as needed to ensure that no one loses when your credit card data is stolen.

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        Phones are now NFC too.

        You can do an LN transaction with a QRCode or NFC.

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          Just use an Android Dash wallet. https://discoverdash.com/

          You dont need a debit card.

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            but that requires smartphones, i war thinking more of a standalone card

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              It would be possible. The POS device could do most of the logic. The credit card device would have to do the actual cryptographic signiture, and that's about it.

              It's not that secure because you wouldn't be validating what your private keys are signing with a password and the POS system could always display something to the human different than what it asks the card to sign.

              But this is exactly the same problem with credit cards.