Also, the loan products I would use probably do not exist yet and require multisig and of course never giving my private key to all of my corn up, which is not how to do this

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They’re coming. There are things being built now to do this in a completely decentralized and non-custodial way.

Indeed. I think BTC hodlers will not be treated like the average fiat borrower with little resources

I have seen things that mere mortals cannot comprehend.

Good luck with that