Comment by MerelyMortal

With Monero, the fees get smaller (sub 0.01 USD) the more transactions there are.

Why aren't banks subject to taking the money and running? Banks could handle crypto.

Reversable transactions could probably be programmed in certain conditions.

Banks/laws/policy/etc.

I wouldn't try Bitcoin either. Monero is a lot better, but even then it's just a stepping stone of what could come if enough people cared.