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They have a business and haven’t blown up or rugged anyone.

Odds are they are doing very well with their bitcoin treasury

oh yeah the "business" of selling fiat cards

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That they take bitcoin as payment and keep on their balance sheet.

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yes, but the loser is you that give them your sats in exchange for fiat cards.
THIS is the point that you refuse to understand.
You support the use of fiat.

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How am I losing? I need goods and services.

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