Wait until you need to do a Mittelherkunftsnachwei (proof of funds origins). Heard stories totally crazy. E.g. you need to proof that you had enough funds to buy bitcoin, stamps, art back in the day. Ifyou got bitcoin as a gift the proof has to be done by the giver. Total crazy surveillance shit in Austria, not sure about other countries but it will come to whole EU for sure.

That said, we need to drive merchant adoption to break the link and buy everything wit bitcoin directly.