02-23-2017, 08:48 PM
People seem to forget that we're still competing with the ultra slow and expensive legacy bank wire transfer systems. It costs $15-$45 in fees and 3-5 days to wire transfer amounts as small as three figures. Even Paypal takes a long time despite being free. It looks like you instantly received money through PayPal but you still can't touch the money for 3-4 days. Most people already have money in their checking accounts so they don't really think about it.
As for the forks...
Segwit requires 95% consensus.
Bitcoin Unlimited requires 75% consensus.
It's a stalemate and neither is going to happen. That is fine. For the time being bitcoin won't be used as a micro-transaction method but it can still be used as store of value, of course.
My advice is to use a wallet like Mycelium. It will help calculate the miner fees for you so you aren't waiting days.