I see what you’re trying to say. I know we will all take advantage of borrowing against our stack. All I’m  trying to get across is that a merchant may only accept bitcoin, therefore forcing me to pay with my bitcoin. 

My first choice would be to borrow against my stack. If the merchant doesn’t accept any currency other than bitcoin, I either pay in bitcoin or find a different merchant. That’s all. 

bitcoin

At what point are we no longer “Bitcoiners?”

I think the point of having bitcoin is not to use it for everyday things. 
Its to use its store of value to bargain against.
Does that make sense? 
I think everyone believes that you would be able to take small loans from the value of the bitcoin you own. 