I get one too but usually swap it after paying rent, internet etc. Doesn't feel right to have any in the account and when I do it usually costs me even more money (fees, transfer fees, ATM fees etc). I rather push some sats or LTC onto a crypto card and spend that for almost no fees or other charges.

But even that used to be easier. Losing Binance's card hit me hard in terms of on- and off-ramping funds. It was the best thing I had in years