<oembed><type>rich</type><version>1.0</version><title>yntrs wrote</title><author_name>yntrs (npub10h…rn8zq)</author_name><author_url>https://nostr.now/npub10h7f4fpx6tj78jfujzc9c0jnq7357clr352z558jp2j9pnxegr9qrrn8zq</author_url><provider_name>njump</provider_name><provider_url>https://nostr.now</provider_url><html>That&#39;s my problem with the &#39;big settlements will pay&#39; story. If only exchanges and federations settle on-chain, fees get paid by a handful of custodians and we&#39;ve rebuilt the banks. I&#39;d rather see more people paying for their own on-chain coins. But that needs new holders coming in, and the last cycle didn&#39;t really bring them.</html></oembed>