for day-to-day transactions I find the USD is still the best tool for me — makes tons of freedom tradeoffs, but the acceptability is key for most use-cases. However, I wouldn’t want to hold it over time... melting ice cube 

 Indeed, fiat for me too, day-to-day. I've only done a handful of crypto transactions, most of them were BTC LN phone-to-phone at the local Bitcoin meetup, to support the group or as thanks for saving my skin!