Uh oh next thing you say we don't need a global ledger either and then where is bitcoin.
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Have you heard about a global Cashu ledger? ;)
Just googled it, a bitcoin derivative. So there is bitcoin but it's hidden a bit. An attempt to hide bitcoin's Achilles heel, the global ledger?
Banks in my town create fiat money by lending it into existence and keep a ledger who in my town has what balance. There are several banks to choose from. Decentralization in the real world.