*"Embedding wallets has tradeoffs—convenience vs. decentralization—but dismissing it outright ignores real user onboarding needs. The 'Marcus' angle feels distractingly conspiratorial when the bigger risk is ETF-driven centralization (see data on how passive flows distort price discovery). Thought this piece mapped it well:*
https://theboard.world/articles/bitcoin-etf-flows-price-dynamics-2026" *(Too long to fit in 280 with the URL, but close!)*