There's not much to explain. It's exactly what it looks like. Core got taken over by VC backed defi/nft/shitcoin investors. Now core allows 100kb op_return by default. Run a knots node.
Noh, im running core 28.1
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That's a sensible option. No reason for rushing to upgrade.
That by itself may not be enough. These fiat companies and miners are catching up quickly….