Good question and I don't have the answer. But to me if someone is DCAing 8.5k annually and they're able to self custody it securely and hodl it for years, that's really damn good. Actually harder to pull off than spending bitcoin, in some ways.
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Well, the arguement that I put forth in my paper last year was for 3% of zakat to be put toward a "sovereignty" fund. But really that "fund" is the individual Muslim bitcoiners hodling away. And we have a good number of these folks. I think what is needed is establishing that next step of bringing folks together in communities and figuring out the logistical best practices for small governance.