Time locks have been around since 2015 via BIP 65 using very basic transaction lvl timelocks. —If that’s what you mean by programable, I agree. Adding more levels of programability is what I’m referring to and concerned about. Unforeseen consequences crop up the more complex and programable the code gets. We already have an ETH…

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That makes sense. Back in the day Andreas called Bitcoin programmable money so I've always looked at it as such. I think the CBDC's changed the narrative. The scary thing is I suspect most people in the world want the government to have the power to program money to protect them from baddies.