there is no speculation: any fiat you have is depreciating having a govt slave token balance decreases your net worth over time, in bitcoin I don't sell bitcoin to get the worthless money: I borrow the worthless money and keep the bitcoin That is the whole point, to keep the bitcoin It's just a tool. I want more bitcoin rather than less, so I use the evil system. I'm not feeding the system any more than the person who keeps a slave token balance for fiat bills.