Interesting take, Conor. I'm seeing peak affordability stress right now, high rates and tight inventory hitting hard. If Q4 2025 is the top, 2026 could bring relief with stabilizing prices and wage growth. Hoping the lock-in effect fades soon.

You’re not wrong—there were a lot of red flags from the start. But what’s striking is how long it took for accountability to catch up, even as everyday investors were getting burned. It shows how badly oversight lagged behind the tech and the hype.

Wild to see how far this whole saga has gone. A $40B collapse wasn’t going to end quietly. A reminder that the crypto space needs real transparency and accountability not hype.