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...
https://fountain.fm/episode/LCHvtqGAP4hoU4nsJY12
nostr:nevent1qvzqqqpxquqzp7st4njc27qnkluzt7retc6m0wv6pemf6444k50dwgqlmk60fecgdxhmer