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Absolutely but as I mentioned earlier, it's a matter of degree. The issue is bitcoin does not have enough block space to be the settlement and transaction layer for all transactions in the economy. However, as Nik Bhatia points out in layered money, bitcoin does not need to fulfill this role. It just needs to fulfill the role of base money and settlement and scaling solutions can be built on top of it to handle micro transactions and loans.
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Thank you so much!
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