American Dream: What it is and what Bitcoin has to do with it
The American Dream has lost its relevance — Bitcoin is taking its place.
U.S. authorities are preparing to recognize Bitcoin as an eligible asset for reserves in mortgage programs. In the near future, the cornerstone of the American Dream — owning a home — may become closely linked with cryptocurrencies.
Recently, Bill Pulte, Director of the U.S. Federal Housing Finance Agency (FHFA), announced plans to revise mortgage policies. The agency is considering including crypto assets like Bitcoin and Ethereum in mortgage evaluation criteria.
Under the proposal, assets stored on centralized exchanges regulated in the U.S. could be factored into mortgage applications. Government-sponsored entities Fannie Mae and Freddie Mac have been directed to assess the feasibility of integrating crypto into their creditworthiness assessments.
This marks a potentially revolutionary shift in U.S. mortgage policy, which has traditionally relied solely on conventional financial instruments.
Market reaction
Although the proposal currently lacks dedicated funding, experts view it as a critical precedent: for the first time, cryptocurrencies may receive official recognition as qualifying assets within the traditional credit system.
“This is a major victory for crypto advocates seeking equal treatment of digital assets alongside fiat,” said Daryl Fairweather, Chief Economist at Redfin.
Binance founder Changpeng Zhao also welcomed the FHFA initiative, stating that such changes will inevitably reshape the American Dream. Soon, people will no longer dream of homeownership but rather of owning 0.1 BTC — “because it will be worth more than a house in the U.S.”
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He was echoed by Strategy founder Michael Saylor, who supported the idea of a global shift in priorities:
“Congratulations. Future generations will remember this as the moment Bitcoin became part of the American Dream,” he said.
Overall, the concept of a new American Dream is gaining traction. Recently, Bitwise executive Jeff Park remarked that everyone now dreams of owning Bitcoin — and that while acquiring 1 BTC is still possible, it may soon be out of reach.
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Defining the American Dream
But what exactly is the American Dream that so many aspire to? It is the belief that anyone — regardless of social background — can achieve success, prosperity, and freedom through hard work, initiative, and determination. In American culture, it reflects the idea that opportunity is available to all — whether you're an immigrant, a worker, or an entrepreneur. At its core is the principle of equal opportunity and the faith that effort will be rewarded.
The classic symbol of the American Dream has long been homeownership — a marker of stability, independence, and financial growth. It also often includes having a good job, access to quality education for one’s children, and the freedom to live with dignity and self-determination. In the 20th century, this dream became a defining part of U.S. identity and was exported globally as a model of successful living.
However, in recent decades, the dream has come under scrutiny. Today, only about a quarter of Americans believe in it.
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Rising inequality, barriers to housing and education, and generational financial instability have made many question whether the dream is still attainable. Yet for millions in the U.S. and around the world, it remains a powerful symbol of hope and freedom.
Why Bitcoin Is better than a house
So why are more people dreaming of Bitcoin instead of a house? Because Bitcoin offers a new, more universal, and resilient version of the American Dream. Unlike real estate, which requires bank approval, depends on geography, and comes with tax burdens, Bitcoin is an open-access asset for anyone with an internet connection. It’s resistant to inflation, doesn’t need intermediaries, and can be transferred globally. For a new generation, it represents not just digital gold, but financial freedom, capital preservation, and access to a global economy.
In the past century, owning a home symbolized stability — but times have changed. For many young people today, real estate feels like an unattainable dream due to skyrocketing prices, mortgage debt, and growing mistrust of the banking system. Bitcoin offers an alternative that requires no permission and no long-term obligations. It is liquid, borderless, and globally scalable — unlike physical housing, which is confined to local markets.
Bitcoin is no longer just an asset — it is emerging as a new symbol of hope, especially for those seeking financial sovereignty. In the 20th century, people dreamed of owning a home. In the 21st, more and more people are striving to own at least 0.1 BTC. That is not the end of the dream — it’s the evolution of it.
