That’s probably a decade plus away. The demand will be a rounding error since most people won’t be using bitcoin as MoE any time soon.

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Bear. It will be localized and driven by those prone to action.

I would say a realist that’s in touch with the average person, but sure. Local banks and credit unions can offer the product, but the demand will still be a rounding error. Which is fine btw.

Almost no one uses LN even though Cash App and Strike make it extremely easy. Change happens a lot slower than we would want. How many ES citizens really use Bitcoin? Probably not many, and it’s been like 4 years since the legal tender thing.

Pretty sure it’s still under 10% ES citizens

Gradually, then suddenly.