比特币CTO David Schwartz解释了为什么不再用于日常交易的比特币

Ripple CTO CTO David Schwartz最近加入了长期比特币倡导者Bruce Fenton引发的对话，涉及为什么比特币不再真正用于日常交易了。

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.

长期的比特币倡导者布鲁斯·芬顿（Bruce Fenton）一直在讨论为什么尽管在2010年代提前采用了比特币的日常使用几乎消失了。

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.

作为Chainstone Lab的首席执行官，Fenton指出，大约10年前，BTC被定期购买，在新罕布什尔州朴次茅斯拥有130多家餐厅，接受了2015年的加密货币。但是现在，这些数字接近零。

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.

芬顿将这种下降视为失败，强调必须将资金用于交易，而不仅仅是作为投资。他说：“使用比特币进行购买是发展网络的好方法。”

Why Are Fewer People Spending Bitcoin? Ripple CTO Explains

为什么花比特币的人更少？ Ripple CTO解释说

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.

许多人建议比特币的高费用和缓慢的交易速度使付款不切实际。比特币用户曼德里克（Mandrik）建议人们现在将其视为长期资产。

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

他说：“他们不想在五年后回头，后悔花了5,000美元在芝士汉堡上。”

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首席技术官David Schwartz认为，当人们不认为这是真正的钱时，比特币为付款工作。他补充说，当早期采用者获得超级便宜时，比特币主要用于付款。一旦其价值上升，更少的人想花钱。

“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.

施瓦茨说：“一旦几乎可以免费干燥比特币的早期矿工的供应，就不再有任何理由用比特币付款。”

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.

早期的比特币支持者杰克·梅霍夫（Jack Mehof）呼应了施瓦茨（Schwartz）的观点，他说他曾经用BTC支付啤酒，炸玉米饼和咖啡。但是最终，上升的成本和缓慢的速度使它变得太麻烦了。

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.“

施瓦茨还指出，还有许多其他加密货币，交易成本较低，速度更快。但是，正如他指出的那样，“您也看不到这些零售付款的用途。至少还没有。”

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.

有很多加密货币，成本较低，速度较高。您也看不到这些零售付款的用途。至少还没有。

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

但是那些专家说，比特币作为付款方式的下降可能更多地与法规相比，而不是技术限制。

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

根据韦恩·沃恩（Wayne Vaughan）的说法，税法和银行业务限制使比特币支付变得困难。

“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.

他说：“对资本收益的税收待遇是一个重大障碍。接受比特币面临的大量会计负担，银行非常敌对。”

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·韦斯伯格（Dave Weisberger）表示，资本利得税也使得比特币过于昂贵。他补充说，每次购买都会有效地花费24％。

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

山姆·琼斯（Sam Jones）建议对小型比特币交易（类似于外币规则）进行免税，这应该鼓励更多的支出。

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.

一些人还指责闪电网络未能实现其廉价和快速交易的承诺。同时，其他人认为比特币的主要作用已转变为类似于黄金的价值存储。

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

即使使用监管修复程序，一些专家也质疑比特币支付是否会与传统方法竞争。

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.

财务顾问安德斯认为，菲亚特仍然是更方便的选择。他说：“如果人们创造更糟糕的付款经验，人们就不会使用比特币。”