Ok fair enough. I'm not sure what the magnitude of money printing has to do with it? But for all practical purposes and for most people we talk to, ok. y'all are correct and its not optional. The point remains. If you just change to another fractional reserves default, you haven't accomplished anything.

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You can build whatever bullshit you want around any asset on this planet. Paper gold isn't the issue with gold, it's arbitrary supply & or deflationary shocks. Monetary policy needs to be fixed & predictable by the economy to be viable. To reiterate: Banks creating products people use and then regret isn't a Bitcoin issue.