You can't hoard and spend, it's pretty much either or!
You can hoard bitcoin and spend bitcoin at the same time.
Fiat -> bitcoin -> hoard BTC.
Fiat -> bitcoin -> spend BTC.
Each time you want to spend bitcoin, just buy BTC with fiat and then spend BTC. Your BTC savings account
does not decrease!
Hoarding means to accumulate , to have more than you previously had.
You can't do that by spending.
Even if you go like:
7+2-1+2 which is bigger than 7 in the end
at the point when you go -1(spending) you are not hoarding anymore.