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Monero fixes that.

No one keeps it as SoV.

Not a big circular economy.

XMR seems cool with the ring signatures, I admire its privacy and its plebs.

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A good SoV tends to be diversified. Always a good idea to keep a few Monero around just as it was a good idea to keep some BTC around 10 years ago.

I wouldn’t mind having a bit of cash, a little gold, or silver either. Not gonna argue with that.

Yep, that's a good mindset.