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I don’t understand the value of crypto currencies.

You use the internet to use the crypto so your actions can be spied on. End of story.

Exactly the opposite. $ transactions are easily spied upon (if you even want to call it spying it's so easy for the appropriate parties to access your data). With crypto at least there are varying levels of privacy. We're not dependent on a national government running their currency into the ground through mismanagement, government debt driving inflation and so on.

I deal with fiat currency international TX every week and it is a huge pain in the butt. Reams of information have to be provided, transfers take hours or days, with costs ranging up to dozens of $. Errors in processing are common. By contrast I can send Nano around the world 5 times a second at 0 cost, needing just a single character string to do so. No counterfeiting, no forged checks, no clawbacks, etc. While there is a learning curve and plenty of expensive scams and mistakes for the unwary, overall it's a dramatic step forward into the future.