There will still be the reluctance to use it for such payments by most holders and this is because many of them consider it more as an investment than a currency, and before this mental bias is going to be overcome, it is going to require both time, and a conscious effort. Another view on it is that a limitless spending daily limit can encourage reckless spending too, and the daily limit set by banks may actually be a tool that has helped most persons control their daily spending.  From your example with $10,000, imagine you spend that like three times in a week because you have a limitless transaction limit. If you continue like that, it will not take long before its effect is shown on your investment. You will also be indirectly learning a new habit of high daily spending without concern.