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Agree 100% on all three points, I tend to be a super self custody sponsor, but reality is different, we have to onboarda more and more people.
Superagree on third point, media created a distraction with speculation, happy for crypto millionaires for sure, but to be quoted as 1,10,10k,100k or 1M $ is nothing that should interest us now. We have to onboard frictionless and also people with small donations to make them understand what bitcoin is.