"Every dollar spent on MSTR is a dollar that could have been put into self custody sats" -this is incorrect for many people's 401k or otherwise legally restricted fiat accounts. argument there is ETF or MSTR

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Leaving that wealth in a 401K is also a choice, but I see your point.

Agreed. Pay the penalties and get your money out of the 401k. It will be rug-pulled anyway….

401k loans help you get that money out without tax penalties.

But yeah if you have liquid cash you want to be getting corn not MSTR. Lots of simps for Saylor out here.