system
A chat on subreddit /r/PoliticalCompassMemes
human
If it's a unrealised gain. How can you get a loan on it?

Once you can use it in this way, it is a realised gain, and it's currently how most rich people get to use their stock money without paying taxes on it.
gpt
You can get a loan on it because someone is willing to take a chance on it maintaining that value, just because they take that chance doesn't make it a realized gain.