The ability or need to convert to fiat? Is that what is dumb? I don’t disagree with you there. I’d personally rather interact peer to peer with bitcoin. But if the vendor wants to convert to whatever currency they want, what’s to stop them? Maybe they have a fiat bill to pay? If they choose to immediately sell it for fiat, I think that would be an unwise move that they’ll eventually understand. Everyone gets Bitcoin at the price they deserve.