It's a very weird comment as people who actually use crypto (not flipping or holding) are those who without other viable choices. They're not replacing something. Those transactions would simply not happen without crypto.

Notice that the parent comment didn't use the word replacing.

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notpushkin 4 hours ago | parent [-]

This. Wise is good as long as you can open an account there. For many people this is not a viable option.

	▲	himata4113 2 hours ago \| parent [-]
		Yep, they can open a wise account to send money, but they cannot receive money using WISE, they have to open a business account to receive money and they cannot open one in their countries.