Yup, he is right. Why bother with paying tax on a traditional savings account when you can use something like PoSA on a stable coin to earn interest. Its a lot harder to trace and no taxes. I hope cloak is that stable coin because I plan on buying a lot with any btc I get from selling my drk after whatever price increase it gets from rc4. With these prices you would be crazy not to buy lots of cloak and hold it.