I'm not batting for either team here, but you just linked one of the PayPals of crypto - ie a company that holds onto your funds on your behalf. So it's not really a rebuttal to their comment.
I did so intentionally. The fact that crypto has still 'PayPals' is exactly my point. Whatever mechanism of value exchange you come up with, there will be intermediaries who pop up to move it around in different ways. Crypto does not 'solve' this.
