I keep a little BTC on coinbase for transactions.
I realize now that I have to convert to Ethereum or Litecoin for transactions.
More transaction fees.
I launched a small BTC transaction an hour ago with a .00225 fee: I do not control this on coinbase. No confirmations and the fee was 10%.  I was hoping for fast turnaround. At these fees and turnaround times, I might as well use fiat.

170,000 unconfirmed transactions. At 15 per second, we are closing 54,000 per hour.

I should add that my liquid cash is sitting in BTC in coinbase. So even with the high fees I am up on holding fiat. The problem is when I want fast turnaround.  So far, that is not possible so I wil lstart accumulating some etherium.