Imagine if the the sale of a $50 million Rothko magically froze the bank accounts of a million people for a month, unless they pay $1 million to unfreeze it. Wouldn't we want a monetary system that doesn't work that way?

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When did last time Bitcoin freeze.

We also don't have a bloody choice, we only have Bitcoin Network...everything else is in the hands of States and banks.

There is Nostr but it is a different beast.