My though was to use other chains for daily payments, those where I don't mind to put trust in some service providers.
And the amounts I want to be the only one to hold keys would stay in Bitcoins. so amounts would vary depending on individuals
So money to use, some shit mastercard or dollar coin, and bitcoin for saving, like gold in a more convenient format.
I have commented before why I don't like this idea. It has to do with exchange rates.
For example, I have a bank account, but also have bills in my wallet and change in my pocket. If all these were different currencies, it would be a pain in the ass to know exactly how much money I have. What if I want to withdraw from an ATM? How many Billcoins are my Bankcoins worth? If I buy a coffee and pay with a Billcoin, how many Changecoins will I get in exchange?
Everything should be the same currency, and Bitcoin is capable of handling microtransactions. I don't understand why people say the opposite.