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> The whole point of bitcoin was to decouple currency from institutions (banks/governments etc.).

This may have been the goal, but if so, it's implementation was bad. The value of a bitcoin steadily appreciating as time marches forward gives it the properties of an asset, not a fiat currency [1].

Like a currency, there is a trading market that forms around the asset, but as fiat currency tends to slowly depreciate over time, it leads to much more fluidity.



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