Ha! I am in the same boat

Use fold to get bitcoin rewards for paying off mortgage, car payment and fiat credit card (have been getting killed though because I am doing auto conversion on deposits and then selling back to fiat in order to qualify for ACH and the spreads are criminal)

Use strike for daily DCA, lightning/onchain conversions, etc.

Just moved my weekly DCA from swan to river and plan to deposit some fiat so I can get that 3.8% interest paid out in BTC