in the united states saving for a house in bitcoin is still a nightmare.
options:
A. sell your bitcoin to cash and hope the bank you deposit into doesn't close your account.
B. save in the etf and show a sizable brokerage balance and the bank is happy but don't own your keys while saving
C. take a bitcoin loan at ridiculous interest rates
D. Find the one rare soul who wants to sell their house in bitcoin and do a peer to peer transaction and report the cost appreciate of your utxo set on your taxes (get audited the next year)