One can just as easily argue that "custodial solutions" are low time preference behavior
Discussion
Sure, but I expect to empty my zappi g wallet every month. I don't keep my retirement money in a custodial wallet, just the money I intend to spend that month.
Can't a Monero/Bitcoin user just say the same thing?
"I don't keep my retirement money in Monero, just the money I intend to spend that month"
They can even completely avoid the potential 100% loss from being rugged
Btw I think ecash has it's own advantages over Monero and vice versa. I use both.