There are situations when you might have no other choice. For example, when you earn Bitcoin, not fiat, and keep all your savings also in Bitcoin. But also if you earn fiat, it sometimes makes sense to pay with credit card and stack sats, instead of paying with fiat. Currently have problems with car, too often something breaks, likely need to buy new one (used, of course), it seems more wise to take long term loan on a car vs selling Bitcoin vs fiat or not stacking sats.