Bitcoin is meant to solve the problem of exclusion from the central banks. If there are no money rails for the unbanked, How do they overcome that problem? Bitcoin is pristine collateral, If you are in the position to just HODL, You are a bitcoin aristocrat. Consider yourself lucky. Someone somewhere will sell their bitcoin to escape a conflict with the neighboring village who is attacking them with machetes, Or a woman who wants to start her business selling tapestries but has no starting capital, The truly impoverished. Coming from a developed country makes us take so many things for granted. Like going to an ATM for a little spending money. What if you had to kill that chicken you had for dinner last night?