Do you need to be rolling dice for entropy if you're using three separate manufactures hardware wallets? (Coldcard, Trezor, Jade).

I used to use localbitcoins back in the day. But it's shut down. localcoinswap sort of sucks. I've tried bisq and some of the others. I'm hoping to find a store I can buy from that would be similar to how you can buy gold with cash quite easily. i.e. walk into a place, they sell for spot +x%. They buy for spot -y%.

The ATMs are lame since they KYC you to death even to buy $1 worth, and the premium are huge and limits are small. For the record, I don't mind showing my ID to a store.

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If bitcoin was originally intended to be a decentralized digital currency, why are people treating it like an investment? Isn’t the point of currency to be used as an instrument for money or a medium to exchange goods/services?

Just to spitball an example, if a small government printed money for its population and the majority decided to hold on to their money instead of using it as it was intended, consequently the government would have to print more money so the population can function and this would lead to the value of the printed money going down.

I think bitcoin is going down because people are not utilizing it the way it was intended and it’s driving the demand for its use down. Welcome to hear your perspective on this.

My wife and is planning our financial future.
Currently 100% of the money we are investing going into index funds.

Is the expected returns for bitcoin higher than 10%PA? We want to diversify, but are hesitant to invest i bitcoin.

What are your thoughts?