I believe you’re being downvoted because the solution you’re proposing does not handle any of the problems solved by a bank.

They are being downvoted because majority of hacker news audience hates Bitcoin.

With good reason.

To be more specific... too much cash is dangerous and impractical.

They'll never accept crypto.

They generally take cash, debit card, and a prepaid debit card (something prepaid like that) and use modern PoS.

Bank access is coming soon too.

Some local stores actually tried crypto back when Bitcoin was exploding. It was so inconvenient and volatile that it only lasted months.

Flower prices are dropping, and their cost is pretty close to fixed (with technology advancements representing a massive caveat).

Variability in currency would destroy these companies quickly.

>... debit card...

Technically, at least in CA/OR, they're often just processed as an ATM withdrawal that occurs at point of sale.

Cashless ATM is now blocked

I purchased via this method in Oregon this morning. Perhaps it'll change here soon.

Doesn't seem to be the case in Massachusetts. Although I don't use my debit card anywhere.

What's the reason for CA/OR? Local banking shouldn't be an issue?

How would you deal with the currency risk inherent in dealing with cryptocurrency? Assume that the landlord, vendors, tax man, and employees all want USD from you, and do not accept cryptocurrency as payment.

Please explain how you would protect yourself from adverse price movements in cryptocurrencies as a merchant to ensure you have enough USD to pay all your obligations.

Accept DAI and form a relationship with a crypto-fiat exchange that offers institutional accounts?

https://www.coingecko.com/en/coins/dai

swap your Bitcoin/eth/whatever for usdc/usdt/dai/other stables

Yea not sure why the down-votes, this is a handy setup, thanks.