they custody the coins ‘til it’s paid off

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That's a dangerous game

once wall st accumulates enough coins like 8-10m, i believe this is how they will unload.

They will never get 10M real Bitcoins

Isn't there only like 1M unmined #bitcoin? We'll be the ones unloading to them whenever they get their head out of their ass! Also, fuck 3.5% over 30 years. Best I can do is 100% interest over 15 years.