I guess it's just frustrating for me to see people make the same mistakes that they've done with the fiat system and do it to Bitcoin or try to wrap Bitcoin around a broken system.

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I get that. But it was always going to happen. And I think credit still has a place. It just isnt there for Bitcoin so people do it on fiat.

Place meaning in the free market. Some will choose not to participate at all.

Or at least the closest thing we have to a free market. Bitcoin is helping with that I think