As long as you have to interface with &quot;the fiat world&quot; for income and spending, this sounds like more trouble than it&#x27;s worth.<p>The gateways (fiat-&gt;btc, btc-&gt;fiat) know your identity, take a higher fee than banks and you still have to trust them. Additionaly, you now have the risk of varying exchange rates at multiple points in your money flow.<p>As for the global bitcoin adoption, I don&#x27;t see this approach helping at all. If you think of yourself as a node in a global economy graph, you still take fiat as input and produce fiat as output.