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I've found that the-whole-point-of-isms are almost always wrong.

It's not the whole point of Bitcoin to be a decentralised payment system. It's part of the point, sure, but there are many other points, such as being an asset with a predictable inflation rate, and allowing the storage of value protected by cryptography.

A few centralised actors offering service to those who choose to use it does not negate those points of Bitcoin.



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