<p>99,9% of honest users when the liquidity is still low.  But liquidity is growing and if because of that honest users drop to 98% that could mean fiat trading is doomed. Chargebacks from stolen accounts will kill market makers, even if they are very few and low quantity (below 300€) because the default behaviour of Bank when a chargeback from a stolen account occurs, is to target the recipient (the market maker) as suspcious of a criminal activity.</p>
<p>Fully agree, however, that the solution based on big deposits is very promising.  It is the one I like the most, but I fear that it would also be an important barrier of entry for small traders.</p>

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