Bitcoin and Ethereum only have liquidity in the market because scammers use it for their pig butchering etc. scams. And all the major exchanges are complicit in that. Many Banks are scammy, yes, but not that scammy by a long shot. Sorry to burst your bubble 🤷

If 99.9% of PCs were solely made to steal your credit card info, then yes.

I have high hopes for GNU Taler in that regard, as it is in theory super easy to include in any website and makes tipping small sums very feasible.

But in reality it is bogged down by bureocractic hurdles on the banking side, and I am starting to lose a bit of hope due to perpetual delays even after some banks promised to support it as part of an EU grant via Nlnet.

Open minded to being scammed? No thanks.