Attacking another user like this (edit: and https://news.ycombinator.com/item?id=28567074 - yikes!) will get you banned here, regardless of how wrong they are or you feel they are. Whether or not you owe that person better, you definitely owe this community better if you're posting to it—much better. So no more of this, please—we're trying to have an internet forum that doesn't burn itself to a crisp.
Please get some perspective. Read more actual facts and data from various different angles, you've obviously dived deep into one side with little consideration for any other.
You give me the kind opportunity to quote a favourite lyric of mine:
The do-er and the thinker: no allowance for the other
The append-only ledger is surprisingly efficient, to the point where you can process the entire thing on a decent laptop in a couple days.
And judging the costs bank are able to charge for international wires, even when comparing them to the horrendous fees for Bitcoin (Core, BTC) on-chain transactions, I'm not convinced Bitcoin is that much less efficient.
