My goodness we are on opposite sides of life but i believe you are closer to “a bitcoin standard” It is interesting to see your options. I have Shakepay as my custodial daily they take a spread but allow my CAD to be protected while collecting interest in btc. As well my DCA has no spread. They also allow me to pay all bills in CAD For any one time purchases i use bull as they are non custodial and i move to self custody instantly.
Its nice to see we have options for our “banking”
