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> Why would they go through the extra step(s)?

Extra step can be very simple: your libra wallet can be auto topped up from credit card.

> Only vendors, not customers, see those fees directly.

A lot of small shops around the world (like one next to my home) do not accept Amex because of higher Amex fees. And require cash if total cost is less then several bucks. Maybe these shops will eventually stop accepting Visa and MasterCard and/or allow libra on even smallest transactions.

> Facebook REALLY makes people nervous.

Are you talking about common people or people who visit HN frequently? I doubt common people really care about their data shared with advertisers. Even I don’t really care.

And again, Facebook will be not the only provider of libra.

> Why would anyone want to use Libra?

To be able to send money to your parents living abroad. To pay on vacation and don’t worry about conversion rates. To be able to send small debts to your friends easily. And so on.



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