I use a CC most of the time unless I want to be stealthy. Then I use cash. I use it because its convenient. But I know its weaknesses and thats why I have other sources of “wealth” that will be available to plug the gaps, depending on circumstances, including those fiat pieces of paper to use until I can’t any longer.
With crypto, I think its like having a bag containing what some will accept as currency as you move those one’s and zero’s around as payment for goods and services, but that is hanging by an electronic string that can be cut without notice that same way a bank can lock it doors and keep us from assessing our savings. Crypto is certainly another resource, just one I’m not sold on.