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> If you sent your money to a company like Voyager, instead of controlling your keys yourself, you missed the point.

so eschewing exchanges, you conduct all your commercial transactions directly in crypto straight from your crypto wallets? it's cool you can avoid all fiat like that, but doesn't it limit your purchasing options? Or have I missed another one of the points of crypto?

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Most of my commercial transactions are still in fiat. I do use crypto when I can, and yes it's done straight from a local wallet. I use an android app called Cake Wallet and the private key stays locally on the device. I keep as much on my phone as I would paper cash in a leather wallet, under $100. The rest is on a hardware wallet.

I use an exchange occasionally, but I don't keep money parked there long-term like a bank. Deposit fiat, trade for crypto, withdraw crypto. I'm never exposed for more than an hour.

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