It sounds counterintuitive,  but I see my incoming bitcoin payments to fiat.  

When I buy a cup of coffee or whatever,  I send the four bucks worth of sats to a BTCpayServer with the Strike API. I basically do an atomic swap from sats to dollars and use the cuck bucks to pay off my credit cards every two weeks.

Then I stack the 1.5% cash back at the end of the month.