You're probably right, the downvotes are probably because people are sick of people saying "Crypto is the solution!". IMO he might as well have said "Can you lend me money, I'll pay you back with these chicken eggs, bartering is a valid form to pay for goods and services!", except crypto has hype around it that he'd probably find a taker or two...

Im just guessing but replacing something that is used by almost everyone here in sweden with something almost noone uses is a bit counter productive. Just start using cash again would be the easiest solution. Swift payments is mostly used to accept payment easy and costfree between private people at fleamarkets and similar since noone carries cash any more.

Network effects and the "good enough" effect. At some point no one used swish. Then it became useful for some and then it became useful for many. Then it became the "must have" or "should have" for everyone else.

Crypto's could do this. They just aren't set up as easy right now. I'm pointing at bitcoin etc. They are also slow. I can tap my MasterCard contactless card/phone and pay for coffee and the merchant is happy. I've had bitcoin take >30 minutes to transfer. Unacceptably slow.