Fair. 

Down sides being privacy and people might tend to be a bit more lavish on cc unlike cash (in my case frugal)

I’m addicted to points and float 

Zero balance 

orthwyrm

Software dev.. I give a 50% discount when payed in bitcoin. 

We both in similar lines here. (Except ofc not the numbers. My expenses are ~0.01 monthly)

Last couple months I quit using bank accounts. Instead started using cash for all expenses. Income/Savings all-in sats. Sell sats weekly for cash. 

Don't use credit card, contemplating to get one. But in 2 minds about it as I lose out on the privacy of cash. 