Alright, imagine you have a big box of Legos. You really want to get more Legos, so you decide that every day, you will use some of your money to buy more Legos. This way, in three whole years (like from your birthday this year to your 10th birthday), you will have spent $42 on new Legos.

Now, usually when you buy something like Legos, the price doesn't stay the same forever. It goes up and down like a little roller coaster. So, if you keep buying Legos every day for three years, sometimes they might be cheaper than other times.

But here's what's happening with this big Lego collector (who is actually a company called MicroStrategy):

1. They have already spent $6.63 on new Legos in just 20 days! That's like buying almost all your Christmas presents before Halloween!
2. If they keep spending at this rate, they will finish all their money ($42) in less than four months. So maybe they won't make it to three whole years of adding more Legos every day.
3. A guy named Peter Schiff thinks that this big Lego collector is spending too much and too fast, and he's worried they might run out of money soon.
4. Even though the price of other cool toys (like Bitcoin) went way up really fast recently, which makes it seem like everyone wants Legos now, this Peter guy still doesn't think buying Legos with all your money is a good idea.

So, in simple terms, the big Lego collector is being extra careful and buying lots of Legos every day right now because they love them so much. But some people worry that they might spend all their money too fast and won't have any left for other important things! Read from source...

Based on the text provided, here are some points of critique and aspects that might be considered inconsistent, biased, or irrational from Peter Schiff's statement:

1. **Inconsistency in timeline**: Peter Schiff states that $6.63 billion has been spent so far, which would suggest a pace that could complete the entire $42 billion plan in under four months. However, MicroStrategy's acquisition of 51,780 Bitcoin for approximately $4.6 billion was made recently, and it was not mentioned if this is part of the $6.63 billion already spent. If not, then the pace would be much slower than suggested by Schiff.

2. **Biases against Bitcoin**: Schiff has a well-known bias against Bitcoin. He often shares his critical views on the cryptocurrency and those who invest in it. In this case, he appears to be highlighting a potential issue with MicroStrategy's spending pace to cast doubt on their Bitcoin strategy.

3. **Rationality of the argument**: While Schiff's comment raises concerns about the speed at which MicroStrategy is acquiring Bitcoin, the assertion that they'll need "a bigger plan" if they want to complete the acquisition in under four months seems like a stretch without more context. It's possible that the pace could slow down or additional funds could be raised to meet the original three-year plan.

4. **Lack of context**: Schiff doesn't provide any contextual information, such as when the $6.63 billion was spent, how much time has passed since then, and whether MicroStrategy has mentioned any changes to their initial plan. Without this context, it's hard to accurately evaluate his statement.

5. **Emotional behavior**: Schiff often expresses strong emotions in his criticism of Bitcoin, such as when he predicts a 'bloodbath' for MicroStrategy's stock or terms it the most overvalued on the MSCI World Index. This can sometimes detract from the substance of his arguments and give the impression that his views are clouded by personal biases and emotions.

**Sentiment: Negative and Bearish**

- **Bullish/Negative aspects:**
- MicroStrategy has purchased a significant amount of Bitcoin, making them one of the largest corporate holders.
- The company's stock has performed exceptionally well (+455% YTD) due to their Bitcoin acquisitions.

- **Bearish/negative aspects:**
- Peter Schiff, known for his criticism of Bitcoin, is expressing skepticism about MicroStrategy's rapid pace of Bitcoin purchases and their financial sustainability.
- He predicts a 'bloodbath' for MicroStrategy's stock, deeming it highly overvalued.
- Schiff questions the market capitalization of MicroStrategy compared to gold mining companies.

In summary, while the article mentions positive developments in MicroStrategy's Bitcoin purchases and stock performance, Peter Schiff's comments contribute significantly to the overall negative sentiment.