Regarding these two specific points I would say that bitcoin has been used as a speculative asset since the very beginning, not everybody was interested in using it as currency, so this is an old story, the ETFs are not going to make any difference. And it's the same for the big funds buying bitcoin, if they are buying is because some people want to make money out of it, whoever wants to use it to be independent can keep doing it, it won't become centralized.