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It hasn't to be like that. You can have your precious BTC in cold storage. But you can have $500 in BTC in a hot wallet for monthly small payments. At the end of the month you buy $1000, to send the half to cold storage and the other half to expend the next month.

Basically like this:

https://i.postimg.cc/85DN3mDS/Screenshot-20221123-082150-Twitter.jpg