0.1 Bitcoin: The New American Dream? As Digital Assets Replace Homes as a Symbol of Success

For decades, the “American Dream” has been associated with the image of owning a home as a symbol of stability, financial success, and social status. However, a new trend is emerging in the digital age, as more and more people, especially the younger generation, are starting to see owning Bitcoin, even as little as 0.1 BTC, as a new symbol of freedom and prosperity.

From Rooftops to Crypto: CZ and Saylor Push for a New Vision
According to Changpeng Zhao (CZ), founder of Binance, owning 0.1 Bitcoin could one day be worth more than owning a house in the US. He made this comment after the US housing authority officially considered allowing cryptocurrencies to be included in mortgage applications. "The American Dream today is owning a home. In the future, it will be owning 0.1 BTC," CZ shared on social media.

In the same vein, Michael Saylor, Executive Chairman of MicroStrategy, said that the US government's move to recognize Bitcoin as a collateral asset for mortgages is a historic turning point, demonstrating the maturity and legalization of cryptocurrencies in the traditional financial system. Saylor has long viewed Bitcoin as a financial anchor for those seeking long-term protection against inflation and currency instability.

FHFA Recognizes Bitcoin as Collateral
Behind this policy move is William Pulte, Director of the US Federal Housing Finance Agency (FHFA), who has ordered Fannie Mae and Freddie Mac - the two largest mortgage underwriters in the US - to prepare proposals to accept cryptocurrencies in mortgage applications.

Pulte is not only a policymaker, he also owns a personal Bitcoin portfolio, and has played an active role in bringing digital assets into the US housing regulatory framework. "This is no longer a theory - we are making it happen," he emphasized.

Wholecoiner - the new symbol of independence for the young generation
This shift is not just a policy but also reflects a profound cultural change. Jeff Park, portfolio manager at Bitwise, said that more and more young people from Millennials to Gen Z see owning a whole Bitcoin (wholecoiner) as a symbol of financial independence, instead of owning real estate.

The reason lies in the rapidly changing economic landscape:

Housing prices are rising beyond the affordability of young people in big cities.

Student debt and rising living costs are squeezing the ability of the new generation to save and invest.

Meanwhile, Bitcoin with its absolute scarcity and global accessibility represents a transparent, decentralized asset that is easy to own and protects personal financial value.

One user shared that when buying a house, he provided data from his DeBank wallet to prove his assets, but traditional banks did not accept it. However, brokers are willing to accept digital assets if there is transparent proof demonstrating the gradual shift of the market.

From satoshi to lifestyle

A blog from Jumper Learn sums up this point succinctly: “Owning a Bitcoin today can be like owning a house a generation ago not tied to land but to digital sovereignty.” Bitcoin is not just an asset, but is becoming part of a digital lifestyle, where ownership is not bound by borders or the traditional financial system.

The combination of CZ, Saylor, and Pulte who have a profound influence in both technology and policy is creating a new narrative of personal success and aspiration. The traditional American Dream of a house with a lawn and a white picket fence may be gradually being replaced by 0.1 BTC in a cold wallet, representing an independent, secure, and decentralized future.

Conclusion
Bitcoin is increasingly being recognized as not just a speculative asset, but a new standard of value in the modern economy. As the US government begins to integrate digital assets into the mortgage credit system, the dream of homeownership once the ultimate symbol of success is being redefined.

Despite the many controversies and hurdles ahead, this wave of transformation has begun, and perhaps in the next decade, owning 0.1 BTC will be the new standard of the American Dream measured not in acres of land, but in bytes of data encoded on the blockchain.