Onramp CEO Michael Tanguma believes that, 18 years after Satoshi published the Bitcoin white paper, small business owners can hold bitcoin to protect some of their surplus. Tanguma argues that bailouts protect large institutions, while small businesses face rising costs and declining cash purchasing power. Bitcoin’s supply is fixed at 21 million coins. Critics argue that businesses with thin profit margins can’t afford bitcoin’s sharp price swings; bitcoin fell 77% between November 2021 and November 2022. Tanguma counters that when evaluating long-term reserves, businesses should focus on purchasing power, not just price volatility.