But for ordinary Bob, using timelock Nlock is complicated. Also most of the people can not just HODL bitcoin, because we see it every time BTC go down, lots of paper hands just sell it and dump the price. But imagine smart contract, which is open source and every one can check it. No need to trust anyone, you just audit the contract. And if it works, than it works. Just couple clicks and you are done. Your BTC is safely HODLed for years. And you don’t need to put your all savings, just do some little. Coz every most profitable strategy in crypto is just HODL BTC for years. You mind will be free, coz you know at least you have saved some value in long term.