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Is this mainly a question who are 100% bitcoin and don't hold any fiat at all?
Exactly, I mean those who do not keep anything from Fiat, eventually out of normal expenses arise, or seek to supply some urgency.
I suppose, that at that time you make use of your stored money, understand your bitcoin for money.
So, I ask when you have to use it to pay something.
Do you always pay direct in Bitcoin or change and then pay? Either in USD, USDT, XMR, Marine Conchas, Bolivars or any other primitive money.