What a load of shit man.
The dollar isn't just fractionally reserved it's printed into oblivion, this is why it's not "opt-in".
Throw this low intellectual quality point in the garbage & start over.
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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.