I propose that there should NEVER be ANY part of bitcoin that can "go out of business". To reach mass adoption we need a system that can do every aspect of what it is intended for without a trusted third party. That means no payment processors because they tend to be discriminatory. Bitcoin itself has a built in payment processor and we should maximize its potential.
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source https://www.reddit.com/r/btc/comments/dftpu7/the_main_benefits_are_lost_if_a_trusted_third/
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