This week has taught me one thing: Those who use BTC as collateral to borrow money are helping to push Bitcoin adoption further into the future -- the same effect as those who promote shitcoins. They want to earn now 20%, rather than 200% later. When their short-term investments fail, they are forced to sell their BTC, which drives down the price of BTC. That in turn makes ignorant people think that Bitcoin is failing, so they sell too. The only backstop to that selling are those who stack and hodl.