again banks dont just create money for themselves and then invest it.. they cant.. so OP's premiss is wrong

however project managers do not go to banks for loans either.. most project managers go to the private sector for funding
things like crowdfunding and seed rounds

the reason crapcoin pump dumps cant get investment is because:
a. project sounds scammy
b. project manager thinks they are jesus and disciples will flock to them
c. project managers do not go out to the private sector and pitch for seed funding

review your topics of conversation. scrutinise your conversations.. look at where your topics have not been part of the main conversation. look at where you have tried too many times to trigger a topic they have not wanted to discuss but you kept pushing
...

funny part is i do not ass-kiss people on this forum. and yet even after years certain adversaries still want to comment and get involved in conversations with me. its actually difficult to get people to ignore me because deep down they know my topics have substance and they spend time "trying" to overcome my points
they might end up just slinging insults instead of providing proof. but they still engage because the topics are worthy of discussing even if opinions differ

so look at the topics you discuss and see your history of peoples responses and see where you may have gone wrong and bored people to death or poked at them with topics of irrelevance, learn to fund topics of worthy converse, topics of depths that can promote discussion

the only real topic that would break friendships would be if you try to inform your friends of your similar experiences and comparisons between you and them of romantic acts YOU have performed on THEIR spouses.. definitely a friendship killer

i know this topic is more about inefficiency of work tasks due to comfort/laziness.. but has anyone done the opposite

has anyone noticed when working at home they can get away with doing things slower, and utilise this fact to work for 2 employers at the same time
EG having 2 devices logged in 9am-5pm and work back and forth during the day on two employers tasks to double income for same 40 hours a week

many employers have noticed.. and thats why they actually want people in the office so that people are not working 2 jobs at the same time

i am:

even if i love bitcoin i wont invest near a ATH i wait for the correction.. people can only know when a ATH is happening if they do their research
buy low sell high.. is the best rule to follow. do your research to see if price is at a cycles low mid or high

gold is at total history ATH so not a good time to buy at all

the problem is you are SPENDING FIRST and THEN SAVING at the end of the month
instead: when you get paid . first put money aside for savings
this will then cause you to need to change your habit of over spending

you will start to plan what to do with spending money.
EG not simply book travel, but use price comparison sites to get better deals on travel
EG look at last 3 months of spending. put items into categories and total it up in excel
then think about a TRUE budget for each category thats less than the average of the last few months but still an amount to enjoy each category

then get more then one debit card account and put the budgets of each category into each debit card to properly separate the budgets so your not borrowing/stealing money from one budget to feed the other


be organised at the start of the month.. dont wait until the end of the month to then see what you have left to divide up

i started at $6/btc, i day traded a bit i bought more in different years

but recently i only buy after a ATH, knowing putting funds in the post ATH corrected low, the next ATH will multiply that allotment

i dont co-mingle the funds to total them to an average cost.. i keep numbers separate
eg
2012 6/btc is 7000x now (at the time i knew it would go over prev ATH of $32(min target 5x))
2014 400/btc is 100x now (at the time i knew it would go over prev ATH of $1200(min target 3x))
2018 3500/btc is 12x now (at the time i knew it would go over prev ATH of $2000(min target 6x))
2022 28000/btc is 1.5x now (at the time i knew it would go over prev ATH of $70000(min target 2.5x))
2022 19000/btc is 2.2x now (at the time i knew it would go over prev ATH of $70000(min target 3.6x))

i got no need to sell, so im hoarding long term knowing getting more then 2x per 4 years is 60% profit a year MIN target. which is better then fiat bank interest of 5%

market manipulation is illegal if for instance its the exchange service owner itself doing the manipulating on its own platform, using fake balance.

if customers/traders are trading using their real value and making their own trade decisions, then its called smart trading and perfectly legal

futures traders do bigger deals of 1000btc+(after leveraged totals) per whale on futures market. like last week betting that the spot market will not exceed $39k
they also using a couple btc do trades per whale on the spot market to keep the price below $39k(to ensure their futures contracts win)

when their future market contracts complete.. they no longer need to trade on the spot to keep the spot price down. thus their spot walls disappear. and the natural spot trading of normal people then can buy above $39k

its simple OP has no money but wished he could create a crapcoin. market buy it for pennies using a loan(his bank obviously said no to him).
try and then give it some fame and viral FOMO fluff.. where he hoped to pump his dream and sell at a profit. leaving a bag of crap on victims

so reality of rejection hit him, so he cant pump and dump his own crap coin to profit.. and he wants to blame the banks for not fronting him the money to scam others in a pump and dump

---

economics lessons 1,2,3

1. dont invest more the you fear to lose
2. dont use debt
3. dont invest time/labour/emotion or money in a coin/project that doesnt have longevity

whales do not put their hoard of coins on the spot market
if you look at the market orderbook of spot market most order lines are under 1btc

whales bet using multiple bitcoins and ontop of that leverage it which makes the volume of futures market multiple times higher

yes whales do then put a small percentage of hoard into spot where they then create walls and arbitrage deals to control the spot price to keep the price exceeding their bet limit

we seen it saturday where alot of futures contracts completed where they bet the price wont go over $39k
we seen it sunday where alot of futures contracts completed where they bet the price wont go over $40k

 weekend-yesterday where alot of futures contracts completed where they bet the price wont go over $39k-$40k. and now they won. they dont need to control the price to stay under $39k-$40k and so the natural spot market was allowed to climb.

if you look at a monthly spot chart and you see flatlines like
 /\          
/  \_/\/\/\/\//\/^\/\/\/\/\/\/\_/\/\/\/\/

instead of

 /\  |\     /\/\  /\        /\
/  \/  \/\/     |/  \/\/\/   \
this is an indicator of whale controlling a market. prices dont usually stay flat in a volatile currency

the OP is wrong about two main things
firstly. banks cannot "just print" and spend.. they have contracts that allow them certain reasons to print. they cant just magic money out of nothing and buy an asset. its actually created via loans.. even a bond is a loan

secondly it wont create deflation because buying into a project or buying a coin does not burn the fiat.. instead the project manager/coin seller gets the fiat. so fiat still ends up in circulation so its still inflation

TL:dr; i wouldnt invest in microstrategy


saylor done a recent interview where he was saying how his shares have grown better then his competing markets

the problem is from just his business function he is not doing well. its the bitcoin that is propping up his share value to appear as doing better then his competitor businesses.

https://youtu.be/Kn3JAUuqVKw?t=475
listen to him saying bitcoin from aug2020 to oct 2023 has gone up 190% which he calculates to 40%
and then he lists other assets/competitors doing like 25%

he talks about leveraging the coin he had to then buy more coin to get him to a valuation of 242% for microstrategies.
the only problem is as he hints at his business and his holdings can take a dump and due to leveraging can wipe him out

im not talking about if bitcoin at (oct)$30k dropped to $10k having 33% value left. im talking about the leverage if debts are called in, wiping him out and putting him in the minus. complete bankruptcy and still owing money even after liquidating everything

yes his strategy of "buying low" because yes bitcoin is at a low compared to expectations of the next halving cycle
but anything can happen in the next couple years before those amount value up to then pay off and settle the debt in later years

so lets take microstrategy march 12th 2021 listing -> today
$788 -> $562 = 71% of start value

so lets take bitcoin performance from march 12th 2021 listing ->today
$61.288 -> $41.755 = 68% of start value

so microstrategy real business performance (without bitcoin added value) has only grown 3% in 142weeks
thats not even 2% a year. not even 1.5% a year its not even 1.1% a year growth of the actual business
meaning his private business is not even growing above inflation.

micro strategy is being held up purely by bitcoin, but its actual business is not growing to even meet inflation

think about it if the S&p is up 25% but his business if it held no bitcoin would only be up 3%.. which is a poor performing business which would need to do some cutting to bring it to double figure % to come into line with 2.5 years of inflation. if it cant slim down to get more business performance it may end up having to take some assets out to keep the main business running (staff wont want to work with only a 1.09% yearly payrise)

---

unlike a SPOT ETF which is not about leveraging and is instead collateral pegs. microstrategy valuation is based on leveraged assets.. meaning there is hidden debt that can be called in if things take a turn

the inherent value of a company(based on produce and wholesale/manufactured cost vs sales). sets that value

however a "market valuation" is not based on the inherent value. a "market valuation" has many other things thrown at it to INFLATE it
listen to shows like sharktank when the investment seekers say "their revenue x3"

fiat shares valuation is a number where investors want to buy in at "x% undervalued" with the presumption that the share price they buy in at will reach the 'market valuation' in the 3x timescale

market valuation ---------------
                               /\/\   /\
      market price/\/\/      \/   \

....
however bitcoin also has value.. its a baseline everyone refuses to sell below because the cheapest place on planet to mine is x so no one wants to sell at a loss below X

bitcoins value sits below the market price

                       /\_/\     __
                      /       \/\/
market price/\/               ---
                         ---------
bitcoin value------


remember because fiat is inflationary and bitcoin is deflationary.. the way you view "valuations" is different
remember market valuations mean different things to a assets inherent value

remember bitcoin does have real world resources and costs backing it up(PoW). (however PoS crap coins dont)

---

i never "value" things based on 'market cap' or 'market valuation'

i prefer to value companies and assets differently

if i looked at a company and seen their wholesale to retail margin is 50%
i then take their sales and minus 50% to get to a figure of underlying cost. if the company was to get into trouble and needed to do a "price crash" sale of selling goods at cost. well that would be the baseline value. the liquidation amount

with bitcoin i dont look at market price of market cap. i look at cheapest mining on the planet to acquire bitcoin. and thats its value

you like to follow the money..
lets take you backwards..
WEF   world economic forum
   -BIS  bank of international settlements
      -CBDC: M-bridge the BIS project that will manage all reserve swaps of CBDC
           -CBDC the key-pair secured ID of multisig payments between customer<->bank, and bank<->bank to compete/replace visa/mastercard
               -hyperledger the group that helped design many CBDC and the M-bridge
                    -blockstream were part of hyperledger

many of the stuff blockstream done to bitcoin were actually sandbox tests for patented designs they passed onto hyperledger, and vice versa

https://www.ccn.com/hyperledger-blockchain-new-members-blockstream/

its not about going fully anal on frugality. its simply looking at the last 3 months of spending and averaging out an amount to prevent you over spending. wher you recognise the wasteful spending to set a rational budget.

by setting a limit by using a card that only holds that budget amount still allows you to enjoy your food, but not blow your entire paycheque buying nonsense food your not going to eat (most people throw away XX% of food)
once you set a budget its not "tiring" because you get into a habit where its not even something you think about. you instead live within your means instead of over indulging beyond what you get paid

of course as your pay increases, you can increase budgets. but having a budget atleast stops you from over spending

atleast writing down all your spending for last 3 months shows you visually where your money went. you can then ONCE look at where your wasteful spending is and where you would prefer your enjoyable spending

EG if you dont care about 7-up or sprite soda. but you find one is cheaper by $1 you may think if you save $1 here you can spend $1 elsewhere such as better coffee

but first you need to atleast look at where previous spending went to make these decisions. and once you made the decisions you lock it in. that way you dont have to keep doing it every week. because the budget is then set and you know what you are dealing with

if 73% of a websites visits are bots.. they need better cloudflare package

after the wedding, the couple and guests marched to the venues foyer.. noticing nothing set up, said 'isnt this the wedding reception'

dont give up. just create multiple jokes.. what you find is comedians write hundreds of jokes but only use 5% of them(the ones that hit)
they spend alot of time working on the jokes. looking for synonyms and other word play to make a joke a hit.
..
its like fashion models. they dont turn up, take one picture an leave. they have 500 pictures taken with different poses, lighting and angles and then one shot is picked from the litter of pictures



                                                                      scroll over below for punchline
why did the chicken cross the road... ||it already angered the cyclepath(pronounce psychopath)||


                                          scroll over below for punchline
two blondes walk into a bar... ||ouch.. ouch||


i was in a bar on open mic comedy night. and three men walked towards the stage. i stopped them and said "you three are not funny"
scroll over below for punchline
||in complete confusion the englishman, irishman, and scotsman looked at each other||

alot of people see their paycheque and think "wow i got X.y thousand this month".. they then spend without planning. and halfway through the month when their card gets declined at the shop. they wonder where their money went

the code to saving is simple
audit yourself. look at the last 3 months of spending and actually note every amount. categorise it
work out your fixed bills. taxes and rent/mortgage
and have the main income account with that amount ready to pay bills on due date(s)

many people surprising think nothing about having 6 credit cards and doing 6x balance transfers a month. but dont think about having 6 debit cards

so after organising your bills, then with the excess after bills have 5 other accounts (total 6)
a. being your savings. (set an amount first you want to put aside BEFORE spending the excess)
then with the remaining amount after bills and savings
b. being the BUDGET for groceries
c. being the BUDGET for clothes
d. being the BUDGET for kids toys, hobbies, activities, needs
e. being the excess BUDGET for novelty, surprises

when you go grocery shopping dont bring your bills card, nor savings, clothes, kids cards with you
know your grocery budget before you enter the store. use an app(calculator) to total up what you put into your cart/basket so before you reach the cashier desk you know how much the total is.. and obviously if you are getting near the total you can decide what you can swap/replace/go without

by knowing where the money is going before you spend it. and locking it off into budgets. you can then control your spending

subnetworks will have niche utility. but the current promoted one LN is not fit for purpose and is buggy. it doesnt meet its promises and is not "THE solution"
even after 6 years the devs have admitted to its flaws and the only work around is to join more centralised hubs and use centralised servers to manage channels while you sleep and other reasons to rely on centralised services..
they actually pushed bitcoin devs to include taproot multisig functionality purely to help LN offer more centralised "group" funding locks

LN suffers from liquidity bottlenecks because of the way it borrows each route participants balance for payments rather than paying direct to recipient
it has lots more other issues too like opening channel balance without a network audit that channels are "funding locked". yep some malicious services create channels(tempID) promising people balance on their wallet GUI screen, but without having funds locked to guarantee payment(services can double spend)

NEW FUTURE subnetworks could and should be developed without the flaws where they offer things for different niches.
they can also have their own offchain (reserve swap) bridges between different subnetworks. that way a 'adsense' subnetwork can fund swap with a "retailer giftcard" subnetwork

where there are numerous subnetworks offering different levels of service
EG
a "google adsense" subnetwork where penny/cent value is moved
a "fast food" subnetwork where payment of upto $50 value are moved
a "grocery/bill" subnetwork where under $1k value are moved

however the current promoted subnetwork that pretends to be "the solution" doesnt even meet 5% of its promises and its not a service for everyone although it pretends its something everyone should use instead of bitcoin