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Now when this works, it's because there are large institutions underwriting every 1 or 0 that changes on a computer.
這是因?yàn)橛旋嫶蟮臋C(jī)構(gòu)來(lái)保障電腦程序里1、0之間變化的可靠性。
And when it doesn't, it's often the fault of those large institutions.
如果不能順利進(jìn)行，說(shuō)明那些龐大機(jī)構(gòu)們出現(xiàn)了故障。
Or at least, it's up to them to fix the problem. And a lot of times, they don't.
或者至少說(shuō)，他們需要去解決這個(gè)問(wèn)題，但大多數(shù)時(shí)，他們并不這樣做。
There's a lot of friction in the system.
在這個(gè)系統(tǒng)中存在很多的摩擦。
How long did it take the US credit card companies to implement chip and pin?
美國(guó)信用卡公司花了多久才讓芯片技術(shù)和密碼得到應(yīng)用？
Half my credit cards still don't work in Europe. That's friction.
我仍然有一半的信用卡不能在歐洲使用。這就是摩擦。
Transferring money across borders and across currencies is really expensive: friction.
跨境和跨貨幣匯款可是需要收取高昂的手續(xù)費(fèi)的，這也是摩擦。
An entrepreneur in India can set up an online business in minutes, but it's hard for her to get loans and to get paid: friction.
印度的企業(yè)家可以在很短的時(shí)間內(nèi)建立一個(gè)網(wǎng)絡(luò)在線業(yè)務(wù)，但她卻很難獲得貸款和付款，另外一種摩擦。
Our access to digital money and our ability to freely transact is being held captive by these gatekeepers.
數(shù)字貨幣的使用和自由交易被這些交換服務(wù)器們所控制。
And there's a lot of impediments in the system slowing things down.
并且系統(tǒng)中存在很多的阻礙減緩了這流程。
That's because digital money isn't really mine,
這是因?yàn)閿?shù)字貨幣并不像礦產(chǎn)，
it's entries in databases that belong to my bank, my credit card company or my investment firm.
它只是數(shù)據(jù)庫(kù)的入口，存在于我的銀行、信用卡公司或是投資公司。
And these companies have the right to say "no."
而這些公司有權(quán)說(shuō)“不”。
If I'm a PayPal merchant and PayPal wrongly flags me for fraud, that's it.
假設(shè)我是一個(gè)貝寶上的賣家，如果貝寶錯(cuò)誤地把我標(biāo)記為詐騙分子，
My account gets frozen, and I can't get paid.
那么我的賬戶便會(huì)被凍結(jié)，我也收不到付款。
