I don't agree with that, because that is exactly what I do. I have a hot wallet on my phone with usually less than $100 worth of bitcoin on it. I use this to make purchases in person with my local merchants who I know accept bitcoin. I'm buying things like groceries or electronic accessories such as spare cables, so usually well under $100. When it gets low, I top it up from a cold wallet at home.
If I plan to make a larger purchase than that in person, then I'll either load up my hot wallet in advance or take a hardware wallet and take it with me, depending on the value we are talking about.
must be nice not having to depend on banks. no one to try and mess with your money. but i guess you can't really survive with out a bank account can you? is that really feasible? you heard what happened with usdc right? and how that bank went under but got bailed out...you always said you didn't trust usdc so that was pretty smart.
