All of the biggest voices in Bitcoin are saying spend fiat, HODL Bitcoin.
Michael Saylor is the loudest preacher of this.
I do P2P, and I supported the earliest payment things possible.
Yes, I do invest, and hold gold, they're called hedges.
I'm in Bitcoin because I want my spending money to be free.
And as the xStocks, and Bitcoin infrastructure evolves I would gladly self-custody my Bitcoin Collateralized stocks but until I can settle stocks in Bitcoin unfortunately I have to settle in fiat.
Companies will eventually have Bitcoin investment directly.
I'm not HODL'ing, I'm using Bitcoin like cash.