Consider the following scenario:

As an average Joe, how am I supposed to manage my BTC?

- My BTC are KYC'd because that's the easiest way to buy BTC

- I never transact with it, just hodl

- When I'll have to sell to fund a large purchase (a house, renovations, medical bills etc.), I'll have to deal with UTXOs, tax from the government, AML questions (risk for suspension) when trying to transfer a massive gain in fiat value to my bank account.

/end scenario

How do I best explain how to mitigate the drawbacks of all of these points to an average Joe who wants to invest in BTC because he's getting shafted by the central bank?

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Not to mention the latency of each transaction (especially a sale)

nostr:npub1uzfp6cgwue2njm86cmyeq7m26y0n58w72acq98sjsnnv4c87002s6857h3 might have some thoughts on this...

It just depends on the use case and time horizon.

Some just want exposure to Bitcoin price and not bother with handling and directlymanaging their wealth. That's their problem.

Some never want to transact with their btc and would much rather hold it for many years. Which is fine, I cannot tell them how to spend or use their money.

The average Joe probably isn't ready to self custody until they see everyone else doing it.

In your scenario, that person probably just isn't ready to learn yet.

Let's assume they've reached a level of self-custodying (a hard wallet) what do I direct them to do? (in a fairly lightweight way)