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Except that reliance upon third party intermediaries is not what Bitcoin is about.
It makes Bitcoin increasingly centralised in function and thus prone to censorship.
ETFs do not enable P2P payments...they hoard sats under bankster custody.
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In a way service providers are the training wheels of Bitcoin adoption. People get comfortable riding without worrying about every technical detail. Some will eventually take the wheels off and ride on their own while others may never feel the need. What matters is that everyone is moving forward together toward a more open financial future...