Questions: have you ever cashed out a quite substantial (meaning life changing after paid taxes) amount of money to fiat ? Or do you spend it monthly from your savings using tools like prepaid cards ?
The only time I really spent some crypto was with a bitsa card as an experiment but it was just a couple of flight tickets worth.
I cashed out a few times to make some significant purchases. While it is hard to look back at what that bitcoin would be worth now, you have to live your life, and I don’t regret my choices.