Ok, I will be direct. In my opinion, from a personal point of view, I think people just have to choose what they want for our financial future. I see Bitcoin as a store of value used as Emails or SMS and I see cryptocurrencies like Libra used to complete Bitcoin (Libra will be exchangeable on exchanges like Binance (not yet check)). When you think about it, companies like Facebook never completely replace universal standards because these companies are not universal standards, they are just closed ecosystems. With messenger, does Facebook replace Emails or SMS? With QuickTime, does Apple replace MP4 or AVI formats?
Now, I think there is a 65% chance of success for Libra because I take into account that people are idiots. Steve Jobs has often treated users as idiots because users do not know what they want (when you think about it, it's not wrong). As usual, people will probably use what works best, they will prefer simplicity and not security... When there will be a technical problem like Nubits or a global financial crisis, people will do as usual, they will try to find a culprit, immigrants and the rich...
