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That sounds like black-and-white catastrophizing lacking nuance.

Some semi-centralized infrastructure and development is needed and costs money to run, but the questions unique to each circumstance are: "What do revenue and EBITA look like?" and "How efficiently are CapEx and OpEx used?"

OTOH, if a social venture nonprofit ran a coin with survival in mind rather than get-rich-quick fintech profiteering, it could make a promise to keep overhead low and any sort of profit margins for reinvestment in robustness, stability, features, and auditing controls to a small, fixed %.

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