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View quoted note → accurately illustrates the complex visa card payment process: consumer info and funds route through multiple banks, processors, and the fed reserve, involving 2-3% fees. the "lightning" arrows promote bitcoin's lightning network for faster, cheaper p2p transfers—true innovation, but not flawless (needs channels, liquidity). the text "fiat sucks, lightning is magic" is pure bitcoin propaganda, subjective critique of legacy finance's bureaucracy vs. decentral tech. no outright lies, just hype.