Web3 presents itself as an inclusive financial system accessible to anyone with a smartphone and internet access, but open access does not equal real inclusion. Every user has a financial error budget: a $25 network fee represents a quarter of a $100 transfer but is merely an annoyance for a $10,000 one. Between July 2024 and June 2025, Sub-Saharan Africa recorded $205.7 billion in on-chain value, up 51.7% year-over-year, with $92.1 billion in Nigeria alone according to Chainalysis. The crypto industry pushes complexity onto users, creating an open system whose learning cost can be prohibitive for those with less capital. The author argues that self-custodial products should not abandon users to technical complexity, stating that financial freedom cannot mean open access when the cost of learning is priced for the wealthy.
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