Pick $3$ of the listed questions and answer with significant and creative thoughts. Quality matters!

$-$Would you accept payment in a currency that was not issued by the local government?

$-$Which digital payments interfaces do you use the most? What advantages do they provide relative to other forms of transaction?

$-$How long do you think cash can resist the march of digital money?

$-$Will there be more or fewer payment systems in the future? Why?

$-$Should someone own payment system? Who should capture its profits? Who takes the risk of failures? Who is authorized to resolve disputes related to ledger failures or counterfeit currency?