I guess my question is more about the semantics around bitcoin being used. What does it mean to "sell" versus "spend?" If by selling, are we talking about simply selling Bitcoin for fiat and then that's it? If by spending, we're talking about using Bitcoin as the medium to settle all debts (buying groceries, bills, etc), then wouldn't using Bitcoin to settle a loan—or credit card bill—be considered spending it? I'm not in favor of the former. I do support the latter. Loans: I've used Ledn, Strike, Firefish and a bunch of others. They're OK. Not great. What kills me is their interest rate. And the wait... I've switch to Aave (gasp!). But it's "self-custodial" (grain of salt), no kyc, no questions asked, flexible, and straightforward. Plus, a 5% from Aave v a 12% from Ledn... If Bitcoin is "the most pristine collateral ever" then why are interest rates so high? Make it make sense. Competition is healthy. If there was a platform that BEAT a 5% rate, and it was Bitcoin only, then let's go.