Donny I mean this with all due respect, but I think it is a perfect circle of people who have enough bitcoin to get a mortgage based on their holdings and people who would have enough money otherwise in any other asset class to get a mortgage based on their holdings. Bitcoin is not working class.
The post I quoted of myself was from 5 years ago. The bank I was working with to buy my house would not even consider my bitcoin as part of my asset stack. Fast forward to today, and Fannie Mae is now accepting BTC as collateral for mortgages. That's tangible, meaningful progress in just a few short years. It's a hugely meaningful use-case unlock and validity threshold crossed amongst the tiresome chorus of "it has no utility" ignoramuses. Bitcoin has literally zero barriers to entry and is appreciating a lot faster than real estate, so, yeah, it is very much working class. The fact you're saying this to someone who is outside of that perfect circle you just described is pretty funny.
Are you working class? I am sorry for assuming otherwise. I would prefer a world of bitcoin to one ruled by the Fed and Visa/Mastercard.