Re: Is a bitcoin wallet a savings account or a payment account?
Is bitcoin virtual gold or virtual cash? At this moment I consider bitcoin more as virtual gold. Currently banks offer savings accounts and payment accounts. I consider my bitcoin wallet as a savings account. At this moment my bitcoin wallets are not suitable as a payment account.
Bitcoin was created to by satoshi to be a digital investment, so you are right, it is more like virtual gold where you store it online. Also true that Bitcoin wallets can be both for payments and a savings, especially if you are doing businesses online.That is not a problem because I dont want to pay with bitcoin. I regret all my past bitcoin payments (I do have a bitcoin debit card). I should have made those past payments with fiat currency and I should have saved my bitcoins because the value of those bitcoins has gone up considerably.
I have made many transactions and the fees are the thing that stops me as I usually do microtransactions <10USD, and the fees take up a significant portion. Just save your BTC for now. 
If you are dealing with thousands of dollars, then fees shouldnt be much of a problem then.