Hi Alex, thanks for your thoughts. This isn't the first time it has been suggested. For example:https://twitter.com/tusharjain_/status/989653842257154048?s=21 …
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Your desire to replace money in its entirety with a “portfolio” is an echo of this fiat era that we are in, where due to constant government printing, one is supposed to keep a diversified portfolio of stocks, bonds, munis, currencies, fx, commods just to preserve their wealth.
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In fact, I believe the opposite from what you are proposing will happen. In the future, the % of people’s wealth / portfolios held in cash will *increase* relative to today.
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Lastly, you are confusing Means of Payment with Medium of Exchange. What you described makes them little other than a payment rail.
End of conversation
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