they "get" digital payments. but don't understand money any better than any other generation.
so they'll use what works for their use case
Bitcoin doesn't work very well for anything except hoarding.
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Yes. And hoarding is uncool to youth. They want action. "What can I DO with it?" Is their question. And the answer better be cool or they're moving on.
If Bitcoin only worked for hoarding, there would not be a whole industry trying to bolt payments, IDs, and compliance wrappers around it. People hoard the base layer because the base layer is the scarce part.