Tough to predict something like this, but I think there are scenarios where in a few decades you can’t exchange fiat for btc anymore. You have to mine it, earn it, or be paid in it

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yes, because nobody wants or needs fiat anymore because it got only disadvantages left

Exactly. If btc gets all the way from SOV to MOE to UOA, then there’s no world where you’re still able to buy bitcoin with fiat.