it's the easiest thing, also because there are still all of these barriers. Converting to fiat includes jumping a number of hoops, not just to transfer it to exchanges, where I have no active account now that I ignored all of their "you need to update your KYC"-mails for a while. But if I did do all that, the transfer to a normal commercial bank triggers there tripwires. If I can't directly spend it, it's sitting there safely