It doesn't have value unless you trade it for fiat.

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NO 😂

I can buy everything I need for day to day life with Bitcoin and without passing it on to FIAT.

Where are those shops? What are some of items. Are the prices stable. How does the shopkeeper pay their suppliers.

https://www.bitrefill.com/es/en/

https://thebitcoincompany.com/

https://shopinbit.com/

With bitrefill alone you can buy everything you need on a daily basis, from food, clothes, gasoline, household appliances, etc.

With shopinbit you can even buy cars.

https://www.bitrefill.com/es/en/gift-cards/food/

What I see here are prices quoted in fiat that presumably will be converted to Bitcoin on checkout at the ever wildly fluctuating exchange rate. So prices in Bitcoin effectively fluctuate wildly. How can you plan financially? Like do you set aside a bitcoin budget for food each month and expect it to last?