I happily spend sats with merchants who accept it. It's so much easier than fiat. But almost no goods and services I used accept Bitcoin. My only option is something like Strike bill pay that only makes sense if I'm no longer being paid in fiat. To be clear, I spend my fiat every month and save everything else in Bitcoin. So if Bitcoin dumps I'm getting volatility on my monthly bills on top of everything else I mentioned. The upside is neglible, and the downside loses me sats. It's a disincentive.