Does it really matter? Monero use case is for privacy not NGU is anyone โ€œhodlingโ€ Monero?

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Yes. I wouldn't recommend to hold onto it for people who depend on getting rich quick.

But for wealthy people wanting to protect their wealth it is a must have.

Taxes and fractional reserve will also put a heavy weight on future BTC price appreciation. Arguable more weight than any undetected inflation bug will ever cause.