They additionally use the word mint, so I’ll do so, too.
I don’t see why a bank cannot support one Taler exchange for USD and another for EUR. You would then withdraw these mints from your real bank of choice, like you would cash with a physical ATM, and use them wherever. And Bitcoin mints as well, which exist only to show how generic Taler is. Taler itself is not a currency, it is the payment system.
It seems to me you have heavily misunderstood Taler if you think it is not as simple as sending an e-mail. Perhaps going over internal details has confused you. But, suffice it to say, if you want something like PayPal then you do not want anonymity. That is fine, but it is alone no reason to dismiss Taler, which has additional design goals in mind. And it does not explain why a local wallet is a “BS concept”, considering it mirrors the use of cash near-perfectly.
I do not appreciate your tone. It seems to me you have read only a few sentences before dismissing it entirely.
The folks at Taler may not consider it production-ready, but in their own words, “this is not so much because of limitations in the backend, but because we are not aware of a Taler exchange operator offering regular currencies today.” Even so, I think a project developed by a considerable amount of people for 6 years deserves a better descriptor than “half-baked”. I don’t know where this bias of yours lies, but it is not my problem, so I will end it at that.