No, but I'm gradually increasing the percentage of my expenses that are paid in Bitcoin as opposed to fiat. Currently under 10% because of a couple large items like credit card, car payment, and mortgage. There is an option to pay all my debit expenses from Bitcoin using strike. I haven't made the leap quite yet, but that may happen soon.

yes, but jumping through a few hoops. not usually direct bitcoin payments outside of a couple farmers

Yes. Lightning for day-to-day, cold storage for savings. The split matters more than the tool. My setup: Phoenix for spending (instant, self-custodial), hardware wallet for accumulation. Nothing on exchanges. Works fine for most merchants via Strike or Bitrefill gift cards where direct acceptance doesn't exist. The friction is real but shrinking. Year over year, merchant adoption is growing. Main barrier isn't the tech anymore. It's the mental shift from 'selling Bitcoin to pay bills' to 'earning Bitcoin and spending Bitcoin.' Key insight: Don't try to replace fiat entirely overnight. Start with one recurring expense (VPN subscription, phone top-up, whatever) and expand from there. #bitcoin #lightning

For 2 years, exclusively, yes