比特幣CTO David Schwartz解釋了為什麼不再用於日常交易的比特幣

Ripple CTO CTO David Schwartz最近加入了長期比特幣倡導者Bruce Fenton引發的對話，涉及為什麼比特幣不再真正用於日常交易了。

Longtime Bitcoin advocate Bruce Fenton has been discussing why the day-to-day use of Bitcoin has nearly disappeared despite its early adoption in the 2010s.

長期的比特幣倡導者布魯斯·芬頓（Bruce Fenton）一直在討論為什麼儘管在2010年代提前採用了比特幣的日常使用幾乎消失了。

As the CEO of Chainstone Lab, Fenton noted that about 10 years ago, BTC was used for regular purchases, with over 130 restaurants in Portsmouth, NH, accepting the cryptocurrency in 2015. At the Satoshi Roundtable, a major crypto conference, more than 70% of ticket sales were paid in Bitcoin. But now, those numbers are close to zero.

作為Chainstone Lab的首席執行官，Fenton指出，大約10年前，BTC被定期購買，在新罕布什爾州樸次茅斯擁有130多家餐廳，接受了2015年的加密貨幣。但是現在，這些數字接近零。

Fenton sees this decline as a failure, stressing that money must be used for transactions, not just held as an investment. “Using Bitcoin for purchases is a great way to grow the network,” he said.

芬頓將這種下降視為失敗，強調必須將資金用於交易，而不僅僅是作為投資。他說：“使用比特幣進行購買是發展網絡的好方法。”

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Many suggest Bitcoin’s high fees and slow transaction speeds have made it impractical for payments. Mandrik, a Bitcoin user, suggests people now view it as a long-term asset.

許多人建議比特幣的高費用和緩慢的交易速度使付款不切實際。比特幣用戶曼德里克（Mandrik）建議人們現在將其視為長期資產。

“They don’t want to look back in five years and regret spending $5,000 on a cheeseburger,” he said.

他說：“他們不想在五年後回頭，後悔花了5,000美元在芝士漢堡上。”

However, Ripple CTO David Schwartz argued that Bitcoin worked for payments when people didn’t consider it real money. He added that Bitcoin was mostly used for payments when the early adopters got it super cheap. Once its value went up, fewer people wanted to spend it.

但是，Ripple首席技術官David Schwartz認為，當人們不認為這是真正的錢時，比特幣為付款工作。他補充說，當早期採用者獲得超級便宜時，比特幣主要用於付款。一旦其價值上升，更少的人想花錢。

“Once the supply of early miners who got Bitcoin nearly for free dried up, there was no longer any reason to pay with Bitcoin,” Schwartz said.

施瓦茨說：“一旦幾乎可以免費乾燥比特幣的早期礦工的供應，就不再有任何理由用比特幣付款。”

Early Bitcoin supporter Jack Mehof echoes Schwartz’s perspective, stating that he once paid for beer, tacos, and coffee with BTC. But eventually, the rising costs and slow speeds made it too much of a hassle.

早期的比特幣支持者傑克·梅霍夫（Jack Mehof）呼應了施瓦茨（Schwartz）的觀點，他說他曾經用BTC支付啤酒，炸玉米餅和咖啡。但是最終，上升的成本和緩慢的速度使它變得太麻煩了。

Schwartz also pointed out that there are many other cryptocurrencies out there with lower transaction costs and faster speeds. But, as he pointed out, “You don’t see much retail payment use of those either. At least not yet.“

施瓦茨還指出，還有許多其他加密貨幣，交易成本較低，速度更快。但是，正如他指出的那樣，“您也看不到這些零售付款的用途。至少還沒有。”

There are a lot of cryptos with lower costs and higher speeds. You don't see much retail payment use of those either. At least not yet.

有很多加密貨幣，成本較低，速度較高。您也看不到這些零售付款的用途。至少還沒有。

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But those experts say Bitcoin’s decline as a payment method may be more about regulations than technical limitations.

但是那些專家說，比特幣作為付款方式的下降可能更多地與法規相比，而不是技術限制。

According to Wayne Vaughan, tax laws and banking restrictions have made Bitcoin payments difficult.

根據韋恩·沃恩（Wayne Vaughan）的說法，稅法和銀行業務限制使比特幣支付變得困難。

“The tax treatment of capital gains is a major barrier. Companies accepting Bitcoin faced significant accounting burdens, and banks have been incredibly hostile,” he said.

他說：“對資本收益的稅收待遇是一個重大障礙。接受比特幣面臨的大量會計負擔，銀行非常敵對。”

Capital gains taxes also make spending Bitcoin too expensive, according to Dave Weisberger. He added that every purchase would effectively cost 24% more.

戴夫·韋斯伯格（Dave Weisberger）表示，資本利得稅也使得比特幣過於昂貴。他補充說，每次購買都會有效地花費24％。

Sam Jones suggests a tax exemption for small Bitcoin transactions—similar to foreign currency rules—could encourage more spending.

山姆·瓊斯（Sam Jones）建議對小型比特幣交易（類似於外幣規則）進行免稅，這應該鼓勵更多的支出。

Some also blame the Lightning Network for failing to deliver on its promise of cheap and fast transactions. Meanwhile, others argue Bitcoin’s primary role has shifted to being a store of value, similar to gold.

一些人還指責閃電網絡未能實現其廉價和快速交易的承諾。同時，其他人認為比特幣的主要作用已轉變為類似於黃金的價值存儲。

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Even with regulatory fixes, some experts question whether Bitcoin payments will ever compete with traditional methods.

即使使用監管修復程序，一些專家也質疑比特幣支付是否會與傳統方法競爭。

Financial advisor Anders believes fiat remains the more convenient option. “People aren’t going to use Bitcoin if it creates a worse payment experience,” he said.

財務顧問安德斯認為，菲亞特仍然是更方便的選擇。他說：“如果人們創造更糟糕的付款經驗，人們就不會使用比特幣。”