Two deposits, two truths.

First, ACH is a decades old system based on telephone technology. It must be replaced. The only sensible solution is blockchain.

Bitcoin is a decade old system that was never designed to handle the volume we have today. Ether is a good solution. IMHO, Red Belly is better. Whatever the case, a newer blockchain solution that can handle better volume has to become the standard. Bitcoin will always be the love of our lives. But we can only cling to melancholy for so long before we get real about the challenges btc has.