I can tell you are not a Bitcoiner! It may well be something of a antidote to Western Consumerism. Some things I have experienced in my years: * Consume less a

I can tell you are not a Bitcoiner! It may well be something of a antidote to Western Consumerism. Some things I have experienced in my years: * Consume less as I see how the time value of my money is preserved * know that spending now means less in future, so weigh priorities of purchases * priorities longer term thinking with regard to ownership of assets * constantly consider the cost of capital and trade offs owning one instrument vs another There is indeed a working credit market for Bitcoin backed tokens! The largest is aave, and interest rates are driven by liquidity pool usage and incentive programs by the chain devs. There is one level removed from the actual BTC but we are getting close here. You can borrow WBTC right now, consumer facing defi!