I utilize it when I have short term fiat bills I know are coming up. Or if I have a big expenditure in 2 weeks or whatever. Ill sit my fiat there to earn some bitcoin while I wait. I dont want to risk a change in value by having it in bitcoin short term like that. While yes bitcoin price could rip, its not worth the risk of the other side ifnprice falls and I have to sell bitcoin at a lower price just to cover my bills I had already covered 2 weeks before.