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UK Crypto Crackdown : Which British Banks Allow You to Buy Bitcoin ?Bitcoin (BTC) is �not taking off� and losing momentum as a payment method because of its inefficiency, Bank of England (BOE) Governor Andrew. The problem is that unlike other assets, there is no practical application when it comes to cryptos � they merely exist to be traded. Plenty of investors decide. Bank of England (BOE) Governor Andrew Bailey has expressed skepticism about Bitcoin's potential as a payment method, citing its inefficiency.