<…> is Bitcoin spendable in the first place ? Is it designed for and only for HODL, to provide a proof of wealth/stake ?
Of course it’s spendable, although the number of commerce’s you can actually use it in directly may not be that large, many others resort to using gateways to perform the action. Still, the total amount of accepting commerce’s is very small in comparison to fiat.
Nevertheless, the core focus is currently set on speculation (or store of value as some would see it), and whilst the price continues to fluctuate so much, the core focus is going to be here.
The second : I always heard the "be your own bank" among crypto features. Will the next step is to be your own CENTRAL bank ?
By this, should there be a feeless coin where every person holding some BTC (say 0.01) can issue its coin which should have a total market cap equivalent to his holding in BTC ?<…>
It would be pretty balmy if everyone issued their own coin "backed" by the bitcoins they had. You can’t have millions of shitcoins and expect it to be of any use (the "backed" feature would be non-enforceable, so if acontemplating a Bable Tower of personal issued coins wasn’t enough, there’d be no way to guarantee their supply nor their backed by amount. Pretty wild…