Since time is my scarcest asset, I will spend whichever money has the least tolerable friction and convert any leftover wealth to btc.

If I need to spend my wealth currently stored as btc, I will need to convert it to fiat, (unless its a coldcard or vpn service - None of the other merchants I buy from accept bitcoin).

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Go to New Hampshire where creating adoption was a priority to those of us using it in the '11 to '14 wave. We had to spend a lot to have it reach you.