You will hear many people say “I own some BTC” when they mean they own exposure to price of BTC via Paper. You will hear it today a lot more than you think & that will only grow in the future. Like the gold rush of the 1800’s; some mined or bought actual nuggets while eventually many just held a piece of paper that was easily confiscated by central powers (eventually).
Stack & HODL the real thing (we’re still early) and put it in cold storage forever. Then borrow against it for fiat when you want to buy a 4th house. That’s what we should be doing as early panners of BTC.