Any time I feel that I should have got into Bitcoin earlier,...

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Any time I feel that I should have got into Bitcoin earlier, I remember that there were very valid criticisms from the start
On-chain bitcoin can't scale. It would have required conventional custodial scaling solutions, with inevitable credit creation giving us more than 21m Bitcoin (i.e. it wouldn't store much value)
Bitcoin wouldn't have been very different from gold, or even fiat for that matter! Countries on the Gold Standard were never "backed" by gold; they always issued more notes than were covered by the gold
TL/DR: Lightning is a Store Of Value technology
From Aaron van Wirdum's "The Genesisb Block":

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