Also of course, Saylor recognizes too that depositing your BTC with a bank for that hypothetical "yield" is a riskier proposition than  holding on to it in self-custody "not earning anything". In which case BTC is "only" good as a store of value and you will eventually have to liquidate it if you want to realize that wealth (and Saif not only concurs but in fact says that's exactly "what it is for").

My opinion as I've said on other occasions is that I can see both scenarios: one in which borrowing fiat against BTC is possible and liquidation is not necessary, and the other one in which we never develop such tools and we eventually have to liquidate to live off our savings.

The good thing is that in both cases the short and medium term procedure is the same: BUY MORE BITCOIN.

And let it sort out itself.