You still have fiat in a bank account? Why do you look to earn pennies (aka SN)? Work and be paid in btc. Stop keeping fiat in a bank. People that still have fiat in a bank acc are just fiat maxis.
No, you can have fiat because you need to have a value that do not fluctuate a lot in value in a specific period and still receive yield in bitcoin on dollar deposits in https://www.xapobank.com/ for example, that is a pro bitcoin bank.
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Fiat mindset is a disease. You NGMI
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