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How do you withdraw Bitcoin for something you can actually use? A fund means a sum of money. Bitcoin isn’t money in the normal sense. It never got to that point.

If everyone kept their own wallets, bitcoins value would tank to pre-2017 numbers.

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I don't. I pay the counterparty directly with lightning for under 200 fiat equivalent, or on chain for larger purchases.

The point is, I never need to buy fiat (what you call withdrawing)

Is "under 200 fiat" the same as "under $200 transaction fee" in USD?

And where are you that most counterparties accept BTC? El Salvador?

Not the parent, but I think they meant "for purchases under $200 in value I use the lightning network, for larger transactions I do a direct transaction". The $200 was not talking about transaction fees AFAIK.

Doesn't using the lightning network necessitate moving the BTC to it?

Either you are living in a completely different world or exaggerating the number of transactions by a lot. I do dozens of transaction per day from grocery to digital items to service to bill payment to repair and so much more. I am pretty sure almost no one in that group accepts crypto.

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