&gt; converting to a different currency, sending money, and converting it back<p>No need if you earn and spend it.<p>&gt; You also get the volatility of bitcoin<p>Absolutely true in the short term, absolutely false in the long run. Bitcoin&#x27;s volatility has statistically declined as its usage has increased.<p>&gt; using it for a simple USD-&gt;USD money transfer is like using a jackhammer when you need a scalpel<p>Cannot argue there. The key is to stop using USD whenever possible.