Tangential story - i have an old friend that got into bitcoin at the same time as me in 2013. Has a good fiat job that affords him a very comfortable life. Bought maybe a few coins early on. Just bought a new house and decided he was going to pay it off in full with his.... bitcoin. Same guy that still holds litecoin because of diversification. When i heard it my mind nearly melted. You turned down the fiat financed at ~7% to take 100% of the upside off from bitcoin. Very likely those coins he burned to avoid the 7% rate right now will be worth 100x at the loan maturity. Of course this guy is an MBA but he has lost the ability to think.