-You pay your stuff with credit cards (money you dont have) -While you keep the balance on the credit card, bitcoin naturally keeps going up in value and the dollar keeps going down in value -When its time to pay the credit card, you feel like your purchases weren't too expensive because your purchassing power increased (because you saved in bitcoin) Basicly you want your fiat balance to be negative as often as possible. If you kept it positive, your potential purchassing power could dissapear because of inflation