In my country, Bitcoin or cryptos direct use is a bit tricky and not clear. Today, government okays it, tomorrow it prohibits its use; warning citizens to desist from using it. It's a bit confusing for some of us who are in this industry. A lot of us are playing it safe by not including any crypto related words in whatever transactions we do so as to avoid whatever bank rule and directives it could be violating.
As for using Bitcoin directly, I've yet to buy anything with Bitcoin online, both in my country or abroad.
Seems you are in same situation like as me..but in my country it's totally illegal and that's why we also couldn't do any types of spending directly through the bitcoin. But even then it's totally illegal there is more than millions people were connected with it I can say the amount also increased a lot right now.
Anyways, a big percentage of my income I mean the payment were made in bitcoin and then I used exchanger's p2p selling features for converting in fiat currency and then used them and spends them to buy all my daily needs. But here I face issues with the income sources in bank.