As we all (or many of us) hope that bitcoin will eventually replace fiat, then everyone will get exposed to BTC. When the time comes, the bitcoin wealth will be distributed in the same way as fiat now, there will be rich and poor people, and for those poor it will be unfortunately too late. It may be “too late” soon.
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They may be "too late" to get stupidly rich by doing nothing. They won't be too late to do something awesome in the larger btc ecosystem, or in the world.
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