My usual response to claims like this is “if it’s so easy, why haven’t you done it yet?”

Trolling is not insightful. A number of other companies already have "done it" and are in use across the world. The question is why aren't western nations ALL using alternates yet? The article is pointing out that a new attempt is gaining political momentum, which answers the question.

Those alternatives are not worldwide payment networks with near-universal acceptance. They’re scoped much smaller. Even then, those independent efforts have either been implemented by law as a political strategic measure or are subsidized. They wouldn’t exist but for those supporting elements. Having federated payment networks may be good politics, but it’s not particularly efficient and it impedes world trade.

At any rate, making someone who haughtily trivializes a problem solve that same problem is a useful exercise both in the complexity of the subject matter, and—perhaps more importantly—in humility.

> It's just multiple computers keeping a balance. It's not complicated.

I'd argue this was the trolling

it's just addition and subtraction, how hard can it really be???