What’s the point of UTXO consolidation? If I think about it like cash, why would I want a bunch of hundred dollar bills? Aren’t $5, $10, and $20 bills more useful?

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Because at some point fees may become so expensive that the fee to transact would cost more than the UTXO itself, making it unspendable.

Here’s a quick primer https://www.discreetlog.com/utxos/