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Frictionless payments are a relatively small part of it. The bigger part is figuring out who needs to be paid for what.

Consider gitcoin, for instance. Yeah, it processes payments, but more importantly it tracks developer reputation, user donations, and facilitates aggregate decision making (re: voting on how to spend the money).

Are you saying that eventually, the users will vote to have ads included in their open source software? I think not. It's only when somebody is able to exploit a privileged position as owner-of-the-medium that you get greed-driven service degradation like that. But we're learning how to build ownerless mediums. Whatever problems they have, I don't think they'll be the same-old middleman problems that we're used to.




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