Again, what makes you think so?
With my credit card I can buy a coffee or a TV and I expect it to work the same. Why would it be different with Bitcoin?
Why is keeping track of my daily expenses not needed? How will they be validated otherwise?
You make the exact point, your credit card is such a store of value or wealth but an arbitrary system that takes a ton of value from you. The gigantic interest rates and fees are the product of not having a monetary unit that does not fluctuate in relation to the global economy. Not having a bedrock has evolved this "credit card" system that robs all of us of value.
Yes, of course, I want something better than a credit card. But by limiting my free use of bitcoins you're making it worse than a credit card, because then I will need another service that acts similar to the credit card. So all the effort goes for nothing.