Lets say i need 100k in monthly capital to keep things moving i might only be neting 10k a month. Am i gonna risk 100k to a custodian?

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Surely you could afford to make a few sub 100k UTXOs?

In a machine shop with 100s of vendors to pay? With hyperbitcoinization and miners sustained on fees? I doubt it would be economical. They'd just use fiat bitcoin