Questions: have you ever cashed out a quite substantial (meaning life changing after paid taxes) amount of money to fiat ? Or do you spend it monthly from your savings using tools like prepaid cards ?
The only time I really spent some crypto was with a bitsa card as an experiment but it was just a couple of flight tickets worth.
Nope, even not If I do not have to pay any taxes for Bitcoin kept longer that 356 days. I am still accumulating every month a bit, no matter where the price is.