This is where I'm coming from...

Once I can no longer profit from mining, I'm done with BTC. I'm simply not an investment speculator. And I see no real advantages with buying BTC on an exchange and using it to make purchases. I'd rather just use a credit card and have consumer protection.

I'm not a libertarian and bank failures and politics scare me less than BTC potentially dropping to zero.

In my opinion, the extinction of home miners will ultimately cause the failure of BTC. Home miners actually use their BTC stash as it's intended, to make purchases. Although they just usually spend their saved BTC on new mining gear, lol. They also hoard their earnings while large-scale mining operations continually dump their BTC and exchange for fiat. Which will ultimately causes the price to crash once home miners are completely out of the picture.