They indeed are immaginary. If we accept the Timechain as the ground truth, nothing other than sats exist. Sub-sats amounts are not settlable onchain, thus that's imaginary credit.
All credit is imaginary, until the debt collector knocks on your door.
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That's the point really. Do we want to make bitcoin a matter of debt? We're already on the doomed path with the idea of collateralization to get fiat loans
