Greetings, one of the major challenges convincing the public that cryptocurrency is anything more than a speculative asset is price stability. For example, the average BTC using consumer has a DCA of about $41k on their holdings. If you buy a $5 latte today at the current valuation of ~$23k, you are transferring twice the amount of wealth as a USD user for the same product. After you rebuy your $5 worth of BTC your DCA likely hasn’t changed much. This creates an incentive to not circulate wealth. But what about the guy that bought at 10k? He could buy the latte and get a huge discount today, but would then forfeit his opportunity to potentially gain profit in the short term on that holding which is another huge incentive not to circulate.
Is there any token that has solved this in a way that isn’t simply hypothetical (such as “upon mass adoption, this attribute will manifest”)? Is there any token that doesn’t reward the early investors so disproportionately that they ultimately look like a fool for using the currency for its intended purpose (like og btc pizza guy) or a genius for never using it ever (diamond hands, hodl mentality)? I’m speaking from a retail consumer perspective here and not how an institution/corporation may use cash. Or maybe I am completely missing something here… please help me understand!