pull down to refresh

Nope. Actual fiat money in the bank for stuff that doesn't take bitcoin for day-to-day use is better.

I'll spend bitcoin for day to day stuff too - mostly internet services.

And usually the bank is regulated, and money in the bank is insured up to a certain amount which I probably would not keep close to that in a bank account anyway.

Bitcoin is for savings which works on a long enough time horizon.