This is a good take and I largely agree with you!
But there are pending rules and judgements out there that could require money transmission licenses for even peer-to-peer. Hopefully this gets shot down, ruled as unconstitutional, etc, but many in DC are angling on this for “national security.”
Post 9/11 anything is on the table.
Well if there was ever a group of vigilant and government fearing individuals. It's this group.
Steadfast!
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