Unless you do most of your financial transactions in bitcoin, you're treating it as a speculative investment. If you're buying bitcoins in order to make an onl

Unless you do most of your financial transactions in bitcoin, you're treating it as a speculative investment. If you're buying bitcoins in order to make an online purchase, you're using it as a currency. If you're buying bitcoins, then selling them back to dollars/whatever when you need money, you're treating it as speculation.