Been holding crypto for three years and spent maybe 1% of it in real life, anyone else just sitting on a wallet that never actually gets used

Have a decent stack across ETH, USDT and a few other assets. Been accumulating since 2021. Total amount I have actually spent in real life using crypto across three years is embarrassingly close to zero. Not because I don't want to. Because every time I try to actually use it the friction wins.

Want to buy something at a store, need to move funds to an exchange first. Want to pay a bill, need to convert to fiat first. Want to tip someone, need them to have the same app first. Every real world spending attempt turns into a multi step process that makes just using my debit card the path of least resistance every single time. The result is a wallet full of assets I believe in long term that functionally does nothing in my daily life. It just sits there appreciating or depreciating while I pay for everything with a card connected to a bank I don't particularly like.

The gap between holding crypto and actually using it in daily life is wider than anyone in the industry seems willing to admit. Wallets are incredible for storing value. They are genuinely terrible for spending it. Is anyone here actually using crypto for regular daily purchases or is most of the community just holding and waiting for some future where spending is easier