Regarding 1. If I understand this correctly, then I believe that this is only partly true. How do you buy bitcoin? You need fiat currencies in a current account or a credit card. How do you get that? You need a bank account. At that stage you will get verified and a state could censor you.
Regarding 2. Actually, there are real-time payment systems around the globe that are also irreversible. E.g. Faster Payments in the UK. SEPA Instant will launch with the Euro in November 2017. The company I co-founded even offers an API to initiate Faster Payments from the backend of any app: https://www.telleroo.com/faster-payments-api
To be honest, it's mostly the US that is not up to date here.
Regarding 3. It maybe permissionless now but that is mostly because it is not regulated. As soon as it becomes regulated as a financial service you will have all the same processes that you already have for financial products. Will it ever get regulated? Of course! As someone who works in the financial space I can tell you that, for example Anti-Money Laundering legislation is extremely important to regulators and they will push this through with force.
I don't want to sound too discouraging, cryptocurrencies are really cool. But the question is if payments is actually the right area for them. All of the problems above can and are already currently being solved by non-crypto solutions. I highly encourage you to take a look at the fintech market in the UK who are tackling all these challenges. Furthermore, these fintechs are expanding to the US and around the globe where they will solve those problems.
Regarding 2. Actually, there are real-time payment systems around the globe that are also irreversible. E.g. Faster Payments in the UK. SEPA Instant will launch with the Euro in November 2017. The company I co-founded even offers an API to initiate Faster Payments from the backend of any app: https://www.telleroo.com/faster-payments-api To be honest, it's mostly the US that is not up to date here.
Regarding 3. It maybe permissionless now but that is mostly because it is not regulated. As soon as it becomes regulated as a financial service you will have all the same processes that you already have for financial products. Will it ever get regulated? Of course! As someone who works in the financial space I can tell you that, for example Anti-Money Laundering legislation is extremely important to regulators and they will push this through with force.
I don't want to sound too discouraging, cryptocurrencies are really cool. But the question is if payments is actually the right area for them. All of the problems above can and are already currently being solved by non-crypto solutions. I highly encourage you to take a look at the fintech market in the UK who are tackling all these challenges. Furthermore, these fintechs are expanding to the US and around the globe where they will solve those problems.