Hive account@abdulganiy this quite very informative. P2P is obvious cool but can E-wallet be completely eradicated together with there wallet n exchanges. Even the localbitcoin you made mention still have staffs that is the arbitrators. There will always be a reason why there is an intermediate. Not everyone can afford a Trevon hardware wallet. To my little understanding about bitcoin i think its very important they come in. Obviously as well their charges are outrageous for example luno wallet. Will be glad if you share more light