Well between paying contractors, paying for goods/services, playing with defi (there are non-speculative uses for defi believe it or not), using group income, and paying the random person back for a meal I owe, it comes out to either daily or almost daily.

Don't worry as I mentioned you'll be using it daily soon too, except (unless I'm mistaken), it sounds like you might choose to use a cryptocurrency built from the ground up to surveil and control you, rather than one that's built from the ground up to enable permissionless transactions. To each their own.