Replying to Avatar Charli Chase

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Love your work - I have a question

What does credit look like in a deflationary environment with Bitcoin

I buy a house for 10 btc but loan 5 btc to make it happen. The house depreciates in value every year meaning at some point the loan becomes insolvent unless I pay it off faster than the depreciation??

I just can’t get my head around this ?

Exactly - Debt in a deflationary environment is more expensive meaning that there will be far less of it. (And people will make mistakes on both sides of pricing it and the cascading consequences)

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Right - so more considered decision making around what and how much debt to take on… meaning you carefully consider how you spend your btc…

Less debt in society is a good thing