For me i would rather keep my crypto currency and wait till i earn profit and will convert it to stable coin. Using crypto currency on paying on offline stores not for me i do not want to regret if the market will go high and use my crypto to pay local store for a very low price, I would rather hold it and convert it in the future. For me i treat it as an investment security because theres a possibility that the prices would go higher when the bullish season comes.
I would like to say to your opinion that when the market is down this is the perfect time to investment in it, it can be exceptional for the day trader but who are the long-term trader it will be wise to do investment in this time when market is down trend but in this case you have to carefull about to selection of your coin, if you invest on that project or altcoin which has no potential market and also dont have good future then the investment will waste. In this case I think for in down market it will be wise to invest on Bitcoin for longterm.