Surely you must have peeled some off your stack to satisfy short term human desires/needs (house, car, etc…).

While it gets harder, that’s only logical because humans have a finite lifespan. Money (aka bitcoin) is a way to buy real life goods/services, it has no intrinsic value unlike an apple I can eat.

As you get older, and closer to death, it makes sense for one to buy real world goods as opposed to saving for some payoff in the future as the future has already arrived for that individual.