Sure, I'm also not willing to transact daily on anything but my credit card. If there's something I want to buy with Bitcoin it has to be meaningful or with another person who I respect. For ex, my cheese farmer / maker I only pay with btc. Oshi gets sats for his butters. These are specialized purchases not daily spends.

Just abstract what you're spending. The form doesn't matter. Spending is spending, no matter what money you're using. You're already there. You spend on credit so you can budget and save more money than you spend. If you only hold enough fiat to give to merchants that demand it, then you will slowly start to spend Bitcoin as you replace those merchants with ones who demand Bitcoin.

right an asset with a hardcap is obviously not going to be a MoE. you cant fight the incentives. just use monero.

I agree with this, I'm focused on making my life full of the relationships that allow me to spend Bitcoin for the majority of my purchases. Peer to peer digital cash requires building peer relationships.

That's what lightning is for. Instead of swapping to xmr (many on chain tx over time) just open a lightning channel.