I'd say this depends on the preferences.
Just collecting bitcoins in the wallet and not using it for anything doesn't make much sense either because bitcoin could be very practicaly applied. With bitcoin debit cards this became much more easier because you can load it with bitcoins and spend them as a fiat currency or take cash at the ATM so there is maybe no need anymore for some classic ways of exchanging.
Indeed, it's depend on the situation you have, just convert your bitcoin into fiat if it is necessary. I know cryto is fluctuative but this what makes it good because being volatile means more profit. In my country we have wallet that you can convert you bitcoin into national currency hence, it is not problem for me to convert and use like how fiat being used.