you asked how the bill pay thing works for me: i get "bank account and routing numbers" from Strike, where i have a bitcoin balance and zero USD. i put that "bank" account number in my credit card, mortgage, car payment, etc. - literally everywhere. so all my USD bills are paid from my bitcoin "checking account" balance in Strike.

importantly, i have an auto-withdraw threshold on Strike where anything above that amount is moved to a (new) address in my cold storage automatically.

so life is like: get paid in bitcoin; "checking account" balance stays in Strike for monthly expenses; excess above that is automatically hodled in cold storage.

it's actually fairly mindblowing...