One is several orders of magnitude more realistic than the other. Whether that's enough to be realistic overall is an open question, but you can't ignore the discrepancy there.

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Most people would be totally turned off by either option. Not only that but it would also give bitchat a reputation for only being for crypto people, much like farcaster. Have you used bitchat? Nah, you have to be into crypto to pay for it. That's how that conversation goes lol.