It's an opinion. But we like Bitcoin to bring more freedom to human society, don't we?!

Some people came later to Bitcoin, indeed, thanks to you and your good recommendations I hope. And for them to break free from their fiat trap, to give them time to be truly creative and happy, they could use Bitcoin as collateral for fiat loans in the monetary transition and bridge time until Bitcoin likely rises in value. Now you prefer to sit in your Bitcoin castle and with your moral superiority point fingers at your fellow freedom lovers?

Many Bitcoiners, say nostr:nprofile1qqsvf646uxlreajhhsv9tms9u6w7nuzeedaqty38z69cpwyhv89ufcqpz3mhxue69uhhyetvv9ujuerpd46hxtnfduq3qamnwvaz7tmwdaehgu3wwa5kuegwt3f05 with Strike for example, also want to offer borrowing and lending with Bitcoin. This would be a centralized service though. L2s such as Rootstock and Liquid try to make it as close to decentralized as Bitcoin is. For that smart contracts are needed. This is DeFi. It's not necessarily gambling or shitcoining. It's just finance without intermediaries / banks, which every Bitcoiner will appreciate.

Projects such as nostr:npub1s7uvsn0ku29gutma9tw43m5gpwuc8y3qwapzy5pnu5jtllpgcucsyvfwc4 are offering that already, even non-KYC. It's not a fractional reserve type of loan by a centralized entity. It's a 'healthy' loan backed by your very own Bitcoin to which you keep the keys! Do you have to compromise on Bitcoin's security here and there? Yes, but you understand the risks. Does that open the door for shitcoinery on Bitcoin? Yes it does, humans do what they want to do. Bitcoin is for everybody, even shitcoin presidents. But you don't have to. You can remain Bitcoin-only and secure a loan against your BTC without a bank for your new business idea. Is it perfect? No. But it's as close to Bitcoin decentralized and secure as humanly possible at this moment. Amazing intentions by the developers to satisfy a market demand.

Now, new L2s are being developed that have the potential to be even closer to Bitcoin security, decentralization AND scalability as ever before ... roll-ups on Bitcoin (BitcoinOS, AlpenLabs etc.). We should celebrate that this is being tried, shouldn't we!? If it doesn't work and has flaws we'll surely point it out and can always go back to pure hodling. But financial freedom is being built here, a Bitcoin economy while transitioning from fiat.

I'm open to any views here, as I'm not a technical person myself. But after some careful financial freedom research over the years, this is what I gathered so far.