I don't necessarily agree with that.
There's still two huge differences between Bitcoin and fiat, even if most people hold Bitcoin in custodial accounts:
  • It's actually possible to self custody if you want to. With the current fiat system, this is almost impossible (or very inconvenient and unsafe) to do in large amounts.
  • The money supply is fixed and not controlled by governments.
These two features already bring much benefit, even if most people hold bitcoin custodially.
Right. I'm not comparing bitcoin to fiat though, I am comparing bitcoin to our previous iteration of sound money, Gold.
Yes, it is possible to self custody, but will it be possible forever? Maybe for you and I, because we already own nice and shiny UTXOs.
Again, if most people only interact with bitcoin through custodians, we risk the slippage into the same situation. Sound Money held by few > Paper Promises > Paper Promises eroded > Paper Promises revoked.
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I agree with that. I suppose it will depend on how and when it becomes too expensive/difficult to self custody. I still would argue that Bitcoin offers some advantages over gold in this regard; less difficult to self custody, more secure, more portable. But only time will tell how an actual bitcoin based economy materializes.
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this is an interesting point. perhaps one way to think of Bitcoin... is as a digital property. Property is 'finite'... that's why it's valuable.
Folks with the UTXOs (even small ones) are the property owners, property holders. And folks with lightning channels and their own utxos own that property but it's like a condo of sorts. The owner of the building has some say in the future and any given state of the property.
And the people using custodial services (which will be some people no doubt) are like renters. They don't own the property at all... they just rent property and us it for their own purposes while they can.
Is this a perfect system? No. But it gives people options and maybe that's the best we can hope for.
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I agree with that.
I think most folks would have an issue... only to the extent that rehypothication could and would occur. Banks and institutions 'saying' they had the Bitcoin, when they really didn't.
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