Daniel, does much commerce actually involve the direct exchange of Crypto for products. It seems almost all Crypto is converted to currency before purchases are made. It also seems that much Crypto is purchased with borrowed money to make leveraged speculative trades. Hodl seems to not be the think it was hoped.

I am fairly literate financially, I have traded options, stocks, bonds. I own two houses, have had 4 (had) mortgages. Looking into Crypto, the effort to conduct Crypto transactions is more than I will tolerate.

TEK