It's actually all about discretionary spending vis a vis income.

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So long as we understand that you can decided to buy bitcoin instead of food and shelter,,but you cannot make that decision for too long before nature and biology takes away that choice from you. I will grant the concession that most of us have far more discretionary income than we often recognize, but it is not all discretionary on a very long time scale.

I suck at reading the room so if this comes across the wrong way, please understand it's meant in a positive, conversation inducing way, rather thank trolling.