It's not for us to prove or disprove anything to you. Especially when you are in such a defensive mood.

Ultimately we have our opinions which we have built over time and there is not one thing or one flaw that guides us, but time and experience which is near impossible to transfer to another in a few online messages.

All I can say is that it seems your bar for what works is low IMO and short sighted.

You could argue that my view is narrow and too theoretical/impractical, but it isn't about funnelling value to one place, it is about giving ourselves, our friends, our peers, the best chance of overcoming the perils of a centralised money without just restarting the cycle because we allowed ourselves to use capturable money and allowed the money to be recaptured.