I don't have a Bitcoin or Lightning wallet because I only use Monero.
I do own some Solana and some Polygon, but that's mainly to pay the fees for the blockchain to swap USDC for Monero.
If at this point you don't have a Bitcoin (preferably lightning) wallet with some money for spending, you are either lazy or stupid, probably both.
I've heard many sob stories of people saying they'll get to it later, but it's too complicated. No it's not, it has never been easier. Use the internet, meet some people and get to it. Porn stars, single moms and grandmas routinely use Bitcoin. If you can use venmo or PayPal or whatever system you use for fiat, Bitcoin is the same but easier.
Another case is of course the Nocoiner syndrome (see https://cryptoanarchy.institute/ for the diagnostic and treatment manual).
Everyone knows that Bitcoin is the future. Some of us knows it's also the present. Fiat system is dying. And you're lazy? Didn't have time to get to it? It's too complicated?
Pathetic. Sorry to say that, but that's just it.
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