My point is was and always has been this. If you have held BTC at any point of the last 10 years you had a huge capital appreciation unless you bought yesterday for the first time. If you are “liquid as fuck” and own your house and have no debit and you want to continue to gamble that the price will go higher than here my hat is off to you.
If you had 100K worth of BTC Last March and yesterday it was worth $1M and you have a mortgage and car loans and a couple of credit cards you are crazy for not selling half and paying everything off.