Well it’s hard to say. I had $100 in late fees alone for one of my bills. Plus the spread that you pay on the exchanges buying going back and forth between bitcoin and fiat and the fees paid when withdrawing cash at the ATM are really high.

But overall since bitcoin has a huge run up in the fall of 2024 the appreciation is a wash.

But it’s human nature to feel bummed out when you feel like you are paying more for something you shouldn’t have to or would have avoided all together if you just held more cash.