It’s not just that people are busy. That’s true, but many people are just adult children who want someone to take care of them. They don’t want responsibility.

You can see it in the political fights. It’s not right vs left. It’s personal independence vs dependence. It’s probably the 80-20 rule and not matter how easy the independence tools are, only a minority of people will use them.

That’s why I’m hopeful about tools like Fedimint. Give people the dependence they crave while supporting independence for us all.