My BTCPay server instance hosts 5 merchants: my store, a barber, a brewery, a pottery studio, and now Bitcoin third space. I dont custody anyone else's funds. All from a small server in my living room. Open source rules.

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Depends who you ask and when lol. Over-zealous for sure and constantly out if their depth technically. Like once they did a github presentation even though they are not a developer by any means. This was pre vibe coding.
Unconcious incompetence is only a flaw if people say "hey, maybe you should let someone else take the lead on this" and then you go out spreading your retardation lol.