The ecosystem being built around Bitcoin is pretty robust actually. You don't need any merchant to officially accept it. Services like strike allow you to hold Bitcoin & have an associated visa/MasterCard the just debt your BTC holdings for example. They even provided end of yr 1099 that tracks...
Price raptors in Bitcoin over time they only get cheaper. I live on a Bitcoin standard & prefer to save in the hardest money in the world. Ppl will eventually get it but we're still early. Good opportunity for someone who understands.
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