It doesn’t matter the cost of the water heater is in dollars not bitcoin if you have to buy the heater when bitcoin is $45K vs $90k it’s going to cost you double the sats. If we truely lived in a bitcoin standard then the water heater would cost 100k sats ALL YEAR and not fluctuate with fiat price. Not the case. Having some cash for shit like this ensures the bitcoin you own stays in cold storage instead of costing you double. It’s not that difficult guys.