Gresham's law.

Good money is saved, bad money is spent.

A Bitcoin circular economy is going to slowly emerge once businesses start requesting Bitcoin and offering discounts for it instead of FIAT.

Bitcoin is the best money to exist in history, FIAT is the worst. I own an much Bitcoin as I can, and I utilize FIAT debt to preserve my Bitcoin holdings as long as possible.

Bitcoin grows it's bottom at 110% a year outside major macro events that are significant enough to shift the trend line down.

Even the 28% APR of credit cards is low compared to that, then when you pay with debt and use your Bitcoin to pay the minimum payments as long as possible you'll end up saving a significant amount of Sats compared to direct payment of Sats.

Plus, the businesses currently receive FIAT regardless of what is spent so I'll just use the current system to my advantage to hold onto as many Sats as possible until it collapses against the unstoppable and growing competition that is Bitcoin.