I’m specifically saying if you ARE living on a bitcoin standard it makes it irrelevant. Obviously if you aren’t (or can’t be) on a bitcoin standard, then you spend fiat.

However, depending on if you have a “straight to BTC deposit” service that charges very little (I think Fold does like .3-.5% spread) and you use something like the Fold card, Strike debit, Cash App card with sats back, and do everything you can through The Bitcoin Co and Fold gift cards, you can actually live *cheaper* on a Bitcoin standard and be stacking passive balances in Fold rewards and Bitcoin Co rewards balances. I actually like this because it sets some aside in a separate balance that’s easy to treat as savings that you don’t think about. Then during normal bitcoin volatility you just shift to trying to spend as little as possible when it dips (or shift into BTC immediately if any fiat comes in) and buy items you need or make sure you’re caught up on payments/groceries if the fiat price jumps up a little.

I think there is an underappreciated benefit to living entirely on a Bitcoin standard too:

it completely immunizes you to the short term volatility. The ups and downs are just part of life. Really puts some hair on your chest 🤣. When someone makes a comment at you about how “it fell 10% what are you gonna do now!?” It will genuinely make you laugh because that happens all the time and you’ll have been through it like 90 times already, lol.