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Some like to trade and invest, others don't.
Isn't it still better to give those who want to trade a tool where your trading partner - or even worse the exchange - cannot run away with your funds?
As far as I understand the wallet does not enforce trading.
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Yes. That's why I don' t use my sats for trading (aka speculating).
I use BTC only as money.
So if your goal is to make a "trading wallet" I am not interested at all.