Your starting with Coinbase is a bad premise.... There are better ways to obtain your bitcoin such as localbitcoins.com.
I have never bought a single bitcoin, nor do I intend to, but let's just say I've had a lot of bitcoin.
Edit:
There is more to worry about the price fluctuation in bitcoin anyways, then compared to a small percentage in buying.
Hopefully, it will go up.... but, as recent days as shown us, that is not always the case.
Coinbase has the convenience, funding, and veneer of a respectable company that frankly others do not have. If BTC is to go mainstream, the BTC exhanges must have each of those three variables.
But lets forget about Coinbase. I have yet to see ANY exhange that doesn't charge a premium of some kind. Any premium, no matter how small, cannot compare to the BONUS that you get from dealing with CC's. Am I right?
Bitcoin unlike dollars is a deflationary currency which is a factor why they are hard to get hold of
This is an interesting argument. I'll have to think about this one.