The vast majority of the market adjusts to the current spot price. they don't just take a snapshot at a particular point and use that as the valuation going forward. exactly because of volatility *denominated in the unit of account*

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Oh sure, but if you buy a Toyota Camry today for 0.069 BTC and you drive it for three years, then you know you're not going to get 0.069 BTC for it. So you'll have to sell it for a lower price.