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以下是来自a16z关于稳定币如何改变日常支付的文章链接：https://a16zcrypto.com/posts/article/how-stablecoins-will-eat-payments/他们的论点乍一看似乎很有前景，尤其是关于像杂货店这样的低利润业务，如果转向使用稳定币，可以通过消除2-3%的信用卡交易费用立即翻倍利润。但是，仅凭我的消费者思维，他们所说的真的有道理吗？商家真的想要摆脱2-3%的交易费用吗？他们将这些费用视为金融系统对商家的负担，但我认为这些费用实际上是金融系统在帮助商家。这些费用使消费者有可能超出他们的支出能力，并且通过消费获得奖励（有时直接与特定商店相关，因此本质上是一种忠诚计划）。因此，我认为支付这些高交易费用对于推动销售是至关重要的。这就是稳定币在日常交易中的困境。我们当然可以消除高交易费用，甚至可以为消费者设置借用稳定币的服务，但如果交易费用被取消，谁来支付现代信用卡所带来的奖励（和忠诚计划）呢？作为消费者，我觉得这很难说服。商家如果急于节省交易费用，可以强制采用稳定币支付，但这难道不是回到了金融系统尚不够发达以帮助商家获取和维护客户的时代吗？此外，已经有像借记卡或第三方应用程序这样的低交易费用支付方式。关于2美元咖啡的论点很有说服力，因为交易费用可能占总交易的15%。然而，现实世界中几乎没有2美元的咖啡，对于那些真正低价值的交易，通常不允许使用信用卡。13年前Coinbase的创始人提出了一个非常相似的论点（他真的走在前面）：https://news.ycombinator.com/item?id=3754664但这些难道只是空想吗？我是不是遗漏了什么？

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Here is the article from a16z about how stablecoins will change daily payments:https://a16zcrypto.com/posts/article/how-stablecoins-will-eat-payments/Their arguments look promising at first glance, especially about how low-margin business like grocery stores can immediately double their margin by simply getting rid of the 2-3% credit card transaction fees if they switch to stable coins.Now, with only my consumer brain, does what they say actually make sense? Do merchants actually want to get rid of the 2-3% transaction fees?They view these fees as a mere burden imposed to merchants by the financial system, however, I think the fees are actually the financial system helping the merchants. These fees enable consumers to potentially spend more than what they have, and also earn rewards (sometimes tied directly to particular stores, so a essentially a loyalty program) by spending. Hence I think paying these high transaction fees is essential in driving up sales.Here is the dilemma of stablecoins in daily transactions. Sure we can eliminate the high transaction fees, and we can even setup a service for consumers to borrow stablecoins, but if transaction fees are removed, who is going to pay the rewards (and loyalty program) modern CC carry? I feel as a consumer this is a very hard sell. Merchants can force adoption of stablecoin payments if they are desperate to save the transaction fees, but isn't this just going back to the age when financial systems weren't developed enough to help merchants acquire and maintain customers ? Also, there are already ways to pay with low transaction fees like a debit card or third-party app.The argument of a $2 coffee is convincing, on the ground that transaction fees can make up as much as 15% of the total transaction. However, there is almost no $2 coffee in the real world, and for those really low-value transactions normally the use of a credit card is just not allowed.There is a very similar argument from the founder of coinbase 13 years ago (he is really way ahead): https://news.ycombinator.com/item?id=3754664but again, are these just pipe dreams? Am I missing something?

A16Z 对稳定币的看法是否错误？