[jb613]

The reason you will lose that bet is the "any country". In some less developed countries, inflation is out of control (govt sees money printing as the only solution) bitcoin as measured against their currency is rising. Daily. Couple that with the fact that those same places do ironically have high mobile phone usage, and it's only a matter of time until it's surpassed 5%.

[JBReefer]

Bet you $20k it won't happen in any country in the next 3 years. Does not apply if you artificially create them, has to be organic.