if you need to maintain a cash balamce of $20k you are losing $2k/yr to inflation, and missing 50%/yr in bitcoin...so the opportunity cost of having a cash balance is $12k/yr or more depending on your expenses

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iow you want to speculate on fiat-denominated purchasing power appreciation to the maximum extent possible and are fine with getting permission from the government to do that. and Bitcoin is down vs USD over the last year so.... I prefer keeping sovereign control over my stack and having a lower fiat-denominated "net worth"