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It's very hard to assume what gonna happen upcoming months but i don't think government or their work gonna fall apart like you said. But i agree with one thing that btc is not about just hold, it's also about using like a fiat money if we really care about btc. Although still btc is illegal in many country so buying food, gold or silver with btc is not possible for them. But situation like this won't be same all time cause soon or later people will use btc as a fiat money. If i have a chance to buy goods or other things with btc i won't miss that chance for sure. (in my country btc transaction still illegal

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I don't also think why government will fall apart after this although we know the economy on each country is at risk but for sure they have solid plan to rise back again after the big crisis they encounter, but also I agree with you since same in fiat btc need circulation so that the crypto economy will became healthier since we need those thing to gather more attention from group of institution until we reach on legalization.
And expect the fall down since many people securing their fiat since panic buying still everywhere and the pandemic still uncontrollable so might we cannot see the things we expect for now.
Most especially if you really need money during this Covid-19 pandemic, you should your bitcoin as a fiat because you have nothing to support for you family. As this quarantine is still continuing, you can't go to work because of the safety that the government wants you to achieve. Holding bitcoin for so long and not using it properly are for those who are greedy and afraid to lose their money. Yes, it is true that the reason why you invest your money in crypto is for the growth of you future without assurance. Bitcoin is volatile and every bitcoin holders know that, and that's the reason why wise holder uses some of its bitcoin so that he have something to use for as he can work to have a salary. Prioritize your health and your family first before this bitcoin.