The credit card debt is priced in dollars as well. He doesn’t owe a 30 thousand peso bill at the end of the month.

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He said he owns 0 dollars. So I’m asking how he can pay off his credit card, in dollars, if he has none.

Indeed. And to my point of debt priced in dollars, there’s an interesting argument to be made that owing dollars is the same or worse than owning dollars, if one is characterizing themselves as fully on a bitcoin standard.