Businesses are legally obligated to deliver your goods, so they will do that anyways, just like if you pay in cash today and go back to the store asking for a refund.

Paypal are legally obligated to hand back the money after 180 days.

Nothing stops an exchange refusing to do business with you.

At least cryptocurrency prevents censorship when sending funds, unlike centralized solutions.

Ideally, in the long run, cryptocurrency takes on a value of its own, reducing the need to use exchanges.

> At least cryptocurrency prevents censorship when sending funds, unlike centralized solutions.

right now, because it's not widely used. If it ever gets mainstream, people will give governments whatever power they need to censor and try to stop things like child pornography. And once they can censor that, they can censor other stuff as well.

And I am sure you can come up with technical reasons why monero can't be censored. But i remember when China started their big firewall of china, people where laughing how trivially easy it was to bypass. And that their strategy will never work. Now 15-20 years later, nobody is laughing anymore. In fact a lot of countries seem to be moving into same direction.

The Great Firewall is bypassed by getoutline.com (self-hosted, open source), getlantern.io (once open source), and psiphon.ca (open source). There are also several other efforts that bundle multiple strategies like V2Ray.

See also: https://geneva.cs.umd.edu/

Cryptocurrency will still have payment processors for sending money.