Yeah no doubt you’re right here. You’ll always have more bitcoin if you’re willing to mortgage your house to get the cash to convert to btc.
I think it’s safe to say if you knew with absolute certainty that btc is going to be trading at $500k+ after 2030, you’d just keep your stack
But if you had enough bitcoin to pay off your house twice, you didn’t do it, and then the price dropped by 80%, you’d be quite a wreck in my opinion.
Bitcoin is incredibly stressful to hold onto and I think that’s something bitcoiners aren’t quickly willing to admit