How are you planning on monetizing your BTC stack? Or are you?

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Move to another place where it’s accepted and spend it

Take a loan against your asset like all the wealthy people do

Yes. I agree. I have been looking into the products that companies like Peoples Reserve are starting to offer. BlockFi didn't work out so well for many early investors. Natalie Brunell did a great recent interview with CJ Konstantinos, the founder of Peoples Reserve. Here is the link to that interview:

https://youtu.be/xplz6eGFcYE?si=k8iBcAL4OARhdiU_