No one stacks fiat .. we convert it to consumables or assets at the very first opportunity.. that is the reason fiat creates open market .. cuz it forces you to choose a product , service or an asset !
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So if someone immediately converts it all to an asset (as many bitcoiners do) then you’ve answered the question of why you’d spend bitcoin on groceries. More than one way to skin a cat, and everyone I’ve known who goes that route seems to stay on that path.