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There is no obvious solution to this problem

It is. As I always said to many people: stop onboarding old people into Bitcoin. Take their fiat money and buy BTC for you and self-custody for them (if you are a knowledgeable bitcoiner).

Better onboard kids

i can only imagine the cognitive dissonance of bitcoiner dads who still pray on their retirement accounts and MSTR/MSTY stock: "listen to me, kiddo - daddy is doing it for the family, but that does not mean u shud too, because it will destroy ur family;"

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