Everyone chooses what they want, they are personal choices. But sometimes, the cheap option ends up being expensive, and compromising personal sovereignty to save a few bucks, in my personal opinion, doesn't justify the savings. But again, this is a matter of personal choice.

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Of course and I prefer peer-to-peer too. I wont be able to use it after Dec 31st anyway. New EU regulation and the provider will stop servicing the EU.

Bitcoin only obeys to code not regulation 😉😎

that's probably why I like it so much. I don't obey to well myself.