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RE: How much money would it actually take to keep BTC at $100k?
Your logic is flawed... No-one would invest $9/day in Bitcoin... That's below minimum purchase limit on Coinbase Pro. Coinbase Pro is still the cheapest exchange to buy Bitcoin with wire transfer as it has no deposit or withdrawal fees. They don't even deduct network fees when withdrawing... Most apps have ridiculous fees compared to Coinbase Pro as they require using credit cards.
Read up on the Cash App, that is where the majority of 'normies' are purchasing btc these days and you can do so on regular basis in small amounts.
Cash App seems to only support USD and GBP... I use neither...