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still reading but came across an important statistic you included that is at the heart of my bitcoin value prop.

"Globally, only about 76% of people have an account at a bank or at a fintech platform that connects to a bank"

i haven't read through the link yet either so slap me if needed...but do you know the sample details of these "people"? e.g. is it adults who are between certain ages, or includes kids, felons, etc.?