Bitcoin Goes Mainstream: A Financial Revolution Unfolding Before Our Eyes

By Jeffrey Janson, CFP®, AIFA®, CBDA | Senior Financial Advisor, Fiduciary Financial Advisors
June 9, 2025

There are 2 Chinese symbols that communicate the concept of “Crisis;” the first symbol denotes “Danger” and the second, “Opportunity.” As financial advisors, we routinely help clients navigate through danger in search of opportunity. This Danger/Opportunity dichotomy is an apt description of where our financial system is right now; in crisis – somewhere between danger and opportunity. The danger of today’s debt bubble is no exception, and Bitcoin may be the opportunity we should not ignore.

The Danger

For proof of this crisis, look no further than the weak demand at a recent U.S. Treasury auction, where a $16 billion 20-year bond sale in May 2025 struggled amid concerns over the U.S.’s $37 trillion debt burden, according to Reuters. Notably, Tether, a stablecoin issuer, has emerged as a major Treasury holder with approximately $90 billion in U.S. Treasuries as of Q1 2025, including auction purchases to back its stablecoin in anticipation of potential regulations like the proposed GENIUS Act. This underscores the growing intersection of crypto and traditional finance.

This unenthusiastic treasury auction was one more straw on the camel’s back showing us just how tenuous our ability is to keep these fiat-driven plates spinning. Put bluntly, our country’s unsustainable $37 Trillion debt bubble is a ballon in search of a pin and that pin is Bitcoin.

I’m not alone in concluding there is simply zero political will to meaningfully address this problem. If the President’s Big Beautiful Bill (BBB) is passed into law, I think we will have all the proof that we need. Democrat or Republican, pork is back on the menu in Washington! For all the moral grandstanding, it’s become clear that both parties are reliably profligate spenders with an acute case of shortsightedness, blissfully apathetic of long-term consequences. That’s the next guy’s problem…until it’s not.

Given our nation’s over-the-top spending patterns and unwillingness to enact austerity measures, the world is rightfully beginning to question the hegemony of the dollar’s world reserve currency status. Both gold and Bitcoin have enjoyed recent rallies as people; corporations; states; and nations intuitively search for a legitimate store of value, in the face of a relentless onslaught from the global fiat printing press. BRRRR!

In a “hold-my-beer” moment, if passed, the BBB has the chance to put us over the edge and risks leaving the rest of the world holding the bag as they trade tangible goods for our currency units conjured into existence by a few clicks of the Fed’s mouse.

But enough danger; time for some opportunity.

The Opportunity

In a world awash in Keynesian Economics and Modern Monetary Theory, Bitcoin’s proof of work-backed absolute hard cap limit of 21 million coins may be just the remedy humanity needs, available all in a handy, single-dose, orange pill.

If the US moves forward with these plans for Bitcoin being part of the US Strategic Reserve, it is all but certain that other countries will follow suit. As Strategy’s CEO, Michael Saylor has insightfully pointed out, “The first country to figure out they can buy Bitcoin with printed fiat, wins.”

If the US becomes friendly to financial innovation, we will retain our leadership role across the globe. Our current traditional finance (TradFi) payment rails are as old and decrepit as our bridges and energy grid, badly in need of overhaul. If crypto developers see the US as a supportive home, we will all benefit.

Corporate Adoption Accelerates

Businesses are integrating Bitcoin into their operations, from payment systems to balance sheets, normalizing its use in mainstream commerce. As fiat systems falter, corporations are proactively seizing on Bitcoin’s transformational potential.

In fact, a spate of new Bitcoin Treasury companies (MSTR; NAKA; CEP; ASST; MTPLF, etc.) have recently come into existence and are attempting financial alchemy as they legally raise low cost capital in the millions of dollars within the traditional finance system and convert it into Bitcoin as fast as they possibly can. This is the corporate version of CEO Saylor’s quote in action.

This phenomenon has even created entirely new ways of measuring the efficiency of adding Bitcoin to the corporate balance sheet. Gone are earnings per share (EPS), supplanted by such BTC-specific metrics as Bitcoin Yield; days to cover mNAV; BTC Torque, and Premium-Adjusted Bitcoin Density (PABD)!

In the process, these companies have produced explosive short-term growth as they get their respective BTC-generating flywheels spinning and up to speed. The race to “stack Sats” is officially on to by acquiring as much limited-supply Bitcoin as they can before everyone else catches on.

Nation-States

Speaking of which, not only do we have corporations adding BTC to their balance sheets – a conservative estimate is now over 90 companies and growing quickly – but we also have nation-states! So far, the US is the largest nation to express interest in adding it as part of our national reserves. In fact, there has been a 180-degree seismic shift in Washington on the topic of crypto. The headwinds crypto adoption faced under the Biden administration have become tailwinds under the Trump administration!

Senator Cynthia Lummis has even authored a Bitcoin Reserve bill proposing to add 1 million Bitcoin to our national strategic reserve over the course of the next 5 years! If that happens, the rest of the world will feel the pressure to follow suit. Bhutan and El Salvador have already beaten us to the punch and other nations are also presently contemplating it, such as Switzerland; Russia; Brazil; Pakistan; Poland; Japan; and the Czech Republic. Additionally, 16 US states have also proposed Bitcoin reserve legislation.

Implications for Investors

With available Bitcoin held on exchanges at historic lows and relentless acquisition interest coming from individuals, ETFs, companies, states, and nations, you don’t have to be Nostradamus to see a melt-up in the price of Bitcoin in the works!

As a seasoned financial planner, I urge advisors and investors to pay attention to this sea change. Bitcoin’s mainstreaming does not mean it is suddenly risk-free—significant volatility remains—but recent developments suggest it’s a maturing asset class that is mainstreaming in real time right before our eyes. The political tailwinds, technological leaps, and corporate adoption create a compelling case for allocation in diversified portfolios.

The Road Ahead

One thing is clear: Bitcoin is here to stay. While we are presently subject to the dangerous inefficiencies of an aging traditional financial system, Bitcoin may offer an elegant, opportunistic solution for moving forward with glorious purpose hopefully equal to the challenge of any crisis.

Whether you are a seasoned financial advisor or a curious newcomer, now is the time to engage with this transformative asset. Get educated, so you can help your clients. DACFP can help. Sign up at DACFP.com to become Certified in Blockchain and Digital Assets.

Full Disclosure: I own BTC; MSTR; NAKA; CEP; ASST; & MTPLF.

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