Hmmm that article seems like a self serving one to benefit MoneyBadger.
HODL is a key strategy of literally everyone from single individual citizens with anything
from ~BTC0.001 upwards to various governments around the world. HODL has
been in existence since Bitcoin and Bitcoin has not suffered from anyone HODL'ing
because not everyone HODL's every Bitcoin they have, I voted 'Both'
Cant compare Greshams law to Bitcoin really because it was a law made up
for FIAT. Michael Saylor would have something to say about that article!