Good job! that sounds a lot like your own opinion 👍

Hodling by definition is free riding. Holders pay absolutely nothing to guarantee security of the bitcoin network that they benefit from. It's not an insult. Theres no emotional implication. You can vehemently reject it all you want, taking a shit in the river is a use case for the river, that doesnt mean it's long term viable. You ever heard of business models where you can get a single lifetime subscription for one large payment? They always fail. You know why? Because there are ongoing costs. No matter how big the payment, "pay once use forever" is never, ever viable for a service. Paying the fee to buy the coin and then sitting on it while others pay to keep miners protecting your money is the exact same thing.