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I promise you, if I showed up at my corner store with a EU50 note and said "Would you give me a gallon of milk for this" the dude would take it.

He probably wouldn't give me change, so my effective exchange rate for Euro->USD would be something like 20x reality, but you gotta pay for convenience.

Same with bitcoin. They wouldn't accept a currency that is very inflationary or very hard to exchange.

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