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I worry that people don't really want what Bitcoin has to offer. They want credit cards and bank accounts that are easier to use, not money that without third parties.

I mean why wouldn’t they? In the west we have great banking, and the risk of being deplatformed, right now, is tiny.

Unbanked countries are adopting stables rather than bitcoin.

There isn’t much PMF (at least from a payments perspective) for bitcoin

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