Loans have always existed, but they were never widely available to the average person buying everyday items. For example, loans became more accessible after the USA decoupled from the gold standard, which allowed more people to buy things like cars.

Before that, how did people buy a car? Well, they had to walk to work, ride a bike, or take the bus for YEARS, saving up for a purchase.

Once we transition to a Bitcoin standard, we’ll be returning to this system. The days of easily buying cars, houses, pizza, and clothes on credit will be behind us. I’m in Canada, and life here is much easier compared to other countries because we can access credit for things like cars or clothes. But many countries still don't have that option.

It’s hard to imagine having to walk to work or ride a bike for years just to save up for a car in Western countries, but I believe this will happen no matter how hard companies try to keep the loan system going.

Credit has made many people in the West selfish and less mindful about saving. The culture here isn’t about saving—it's about spending on credit.

You know those grandpas who say they had to walk miles to school or work? Well, we might be heading back to that.

Loans will still exist, but they will be reserved for big purchases or companies, not for the average person.

The "good days" of easy credit are over, and I support this shift. That’s why I believe in Bitcoin: it will push people to work harder, lose weight, and learn to value money.