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I think the money problem fairness, low inflation and decentralization has been solved first with Bitcoin and now with many altcoins. It is good to have more than one cryptocurrency but having so many ruins network effect. I am spending my Hive and HBD but I am not trading into a crpto except to get away from money that has bad properties. That includes fiat and most stablecoins.
I am going to get rid of my POB. The entire balue of all my coins will be like $100.