Broken money. Most don’t know why they spend more than they make. Deep down they realize that they are better off having the things rather than having dollars in a bank or even invested in something.eventually the will figure it out. That’s comes from owning Bitcoin, and actually knowing what you HODL.

Comfort, ease and convenience at all costs. Consequences be damned.

If you hodl bitcoin, debt can be a great tool. Nothing like paying down a 3+% loan of infinity/21 million money with a scarce asset. The cost of the loan may be zero or even go negative.