I save more than I spend, so wouldn't I be mainly using it as a store of value rather than a medium of exchange? Yes, you would. I'm not clear what you mean by

I save more than I spend, so wouldn't I be mainly using it as a store of value rather than a medium of exchange? Yes, you would. I'm not clear what you mean by it here: If you mean Bitcoin, you're agreeing with my point, it's a good store of value first (modulo price volatility and external risks) If you mean Fiat, don't do that long term, use assets.