zlacker

That is like saying insurance is not in not something average, every day people need. If the rare event doesn't happen to you then yes it is a waste of money, but if it does you will be thankful to have it.

>>charci+(OP)
The same thing can be said about having bulletproof cars, wearing a helmet anytime when you are outside, carrying a lifejacket with you all the time. Those are things that cater to specific threat models. And those are not the threat models of average, every day people.

>>Swifty+z1
Average people address it by having cash. If you want digital cash crypto is your best option.