But I wouldn't use Bitcoin to pay for anything that fiat can pay with unless it's very necessary, if I were you. Bitcoin is a provably scarce resource, don't waste it. HODL.

I think paying for bills with bitcoin and saving excess bitcoin are positive for the ecosystem and for the value of the cryptocurrency. This is especially true in developing countries with a history of currency instability. Thus, saving and spending bitcoin should not be seen as mutually exclusive.