Well their approach allows them to deliver software that works without being inundated by issues related to someone’s peculiar set up. I don’t think ‘hostile’ is a very fair assessment.
Yes, I did. Did you read the comment I was replying to? Isn’t it ‘endlessly amusing’ to observe one of the biggest banks in the world discover why the finance system works the way it does? And if it was ‘no big deal’ then why did Citibank sue to get the money returned?
I don’t use or advocate for DeFi, but the weird smugness of random people defending the existing financial system is quite off putting and frankly hard to understand given the last few decades.
There is the packaging, but probably more important is increasing the tax (and therefore the price) over time. Demonstrable reductions in smokers every time the price goes up.