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I do not think lack of credit is a good thing. Or rather, I have the game theory opinion. It is not a survivable thing.

Given 2 economic systems. One with credit and one without. The credit based one will crush the non-credit-based one.

Does that mean credit is good ? No, but it makes it a moot point: we will have credit. Point. Bitcoin will not survive, in the long term. I get that.

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